Consumer complaint received 2019-04-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Deleted my paid in full student loan account in response to a dispute is specifically authorized by the FCRA. Section 1681i ( a ) ( 1 ) ( A ) of the FCRA requires an agency to " reinvestigate ... and record the current status of the disputed information, or delete the item from the file in accordance with paragraph 5 [ describing the circumstances in which an account " can not be verified '' ]. '' Equifax, XXXX and XXXX are saying that the student loan couldn't be verified with XXXX XXXX after the account was paid in full on XX/XX/XXXX 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( emphasis added ).

Equifax, XXXX and XXXX has " a purported right to reinvestigate any disputed information contained within a consumer 's credit report after receiving a direct dispute from the consumer. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Upon receiving such a dispute, a CRA has thirty days to perform the reinvestigation and to notify the consumer of the results. 

Equifax, XXXX, and XXXX hasn't reached out to XXXX XXXX regarding any disputed student loan account from XX/XX/XXXX- XX/XX/XXXX. 

( No reasonable reinvestigation by XXXX, Equifax and XXXX  was even done and they hadnt contacted XXXX or the Department of education to  determine the status of the debt of the students loans, but has removed the establish credit history fromcredit report. ) Equifax, XXXX and XXXX   must : ( 1 ) reviewed the dispute letters and all enclosures ; ( 2 ) if the enclosures were not sufficient to resolve the dispute, sent an ACDV to the furnisher with a dispute code and information to identify properly the consumer 's dispute ; ( 3 ) once the furnisher returned the ACDV, modified the consumer 's account accordingly, including deleting the account if the furnisher failed to return the ACDV or verify it appropriately. 

According to XXXX XXXX and the Department of Education Know ACDV was sent to them regarding the dispute. 

Equifax XXXX and XXXX  has failed to reinvestigate any of his dispute from XXXX XXXX and didn't sent any ACDV to the department of education or XXXX XXXX. 

Equifax XXXX and XXXX are misusing the FCRA and are not conducting reinvestigate before removing accounts with the department of education and XXXX XXXX. 

The FCRA mandates that disputed information must be deleted from a consumer 's credit report if it can not be verified pursuant to a reinvestigation. XXXX XXXX and the Department of Education can verify the account. See 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ).

If a CRA wants to reinsert previously deleted information into a consumer 's credit report, it must certify the accuracy of the information with the information furnisher, and must notify the consumer of the reinsertion. Id. 1681i ( a ) ( 5 ) ( B ). Equifax XXXX and XXXX  hasn't reached out to the Department of Education, the Untied States Bankruptcy Trustee or XXXX XXXX  regarding any of the students loans account.

Company response to consumer: Closed with non-monetary relief