Consumer complaint received 2020-11-01
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, a compliant was launched to the cfpb concerning certain credit data held by Equifax. Specifically, Im referring to the data they are actually reporting that shows a fictitious, suspicious and/or fake Date of Last Activity on two of my creditor accounts. One paid-in-full opened account ( XXXX  ), one paid-in-full closed account ( XXXX XXXX XXXX  XXXX. Along with the XX/XX/XXXX complaint, I submitted to Equifax stamped copies of written documentation furnished to me personally by each of these two creditors. On XX/XX/XXXX, Equifax responded that they conducted a routine check with at least one of the two creditor accounts involved in my compliant and the results are as follows : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX XXXX XXXX XXXX or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. On XX/XX/XXXX, I requested additional written proof from XXXX that the creditor ( s ) are indeed accurately reporting the Date of Last Activity to at least two consumer reporting agencies. On Tuesday, XX/XX/XXXX, at XXXX CDT after getting the requested written proof from XXXX XXXX I contacted Equifax by phone at the number listed above. However, during the use of 45 minutes, 25 seconds of airtime, the Equifax agent simply repeated Equifaxs earlier response to my Complaint ID dated XX/XX/XXXX. At this point, I simply requested that the Seven Year Extended Fraud Victim Alert be removed from my Equifax file because it is useless having it there with inaccurate data embedded on the file by Equifax regarding the Date of Last Activity in regards to my repayment activity. I am concerned that this obstinate position taken up by Equifax could possibly be in violation of one or more of the following, the Consumer Credit Protection Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act. Equifaxs recording mechanism discourages the use of my own credit and places me in the awkward position of telling a potential lender one version of my payment activity only to have Equifax promote something entirely different as a fake Date of Last Activity. At XXXX on XX/XX/XXXX, I also telephoned the Credit Department of one of my two creditor accounts in question. I got a direct shocking response. She indicated to me that it is Equifaxs electronic software system along with its calibration that may be the problem. That furnishers representative let me know verbally that no matter how or when they report the Date of Last Activity for customer accounts to Equifax, Equifaxs electronic data system or software is calibrated to use only a Default date e. g., XX/XX/XXXX whereas the respective Date of Last Activity in this case is XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation