Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/XXXX i submitted a complaint to the CFPB complaining about a XXXX XXXX XXXX XXXX XXXX account thats showing on my credit report. I have been going back and forth with XXXX, Equifax and XXXX trying to get this inaccurate account deleted from my credit report.. So on XX/XX/XXXX i sent the complaint out and on XX/XX/XXXX the company responded that they were still working on the case so on XX/XX/XXXX they sent out a email stating that the dispute was closed and finished but when i took a look at the account and finished dispute notification they did not change anything on the account they did not fix any issues that i reported all they did was change the dola date and said that they fixed the problems. This was the previous dispute that i sent in on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Sent a dispute out on XXXX XXXX on the The following Account was charged off as of ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statue of limitations. Ive also noticed on the account there were errors in the ( BALANCE ) & ( DATE OF LAST ACTIVITY ) section. Equifax is reporting a balance of {$290.00} with a date of last activity as XX/XX/XXXX, XXXX is reporting a balance of {$0.00} with a date of last activity as XX/XX/XXXX and XXXX is reporting a balance of {$490.00} with a date of last activity as XX/XX/XXXX now all three of these balances and date of last activity cant be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It was there duty to ensure that all information reported is consistent and most importantly accurate and they have failed to do so. So i asked that if they could Please DELETE this erroneous item immediately they reported that it was updated but nothing was changed. All in all theres plenty of discrepancies on this one account alone XXXX is reporting the high balance as {$490.00} XXXX is reporting the high balance at {$0.00} and Equifax is reporting it as {$290.00}. Second is the Dola Date XXXX is reporting it as XX/XX/XXXX XXXX is reporting XX/XX/XXXX and equifax is reporting XX/XX/XXXX. Third error is that XXXX is reporting the closed date as XX/XX/XXXX but XXXX and equifax has no closed date which makes no sense at all if the account status is reporting as a closed/Charge off then whats the closed date? Fourth error is the last payment XXXX is reporting it as XX/XX/XXXX, XXXX is reporting it as the same XX/XX/XXXX but equifax is reporting it as XX/XX/XXXX. The Fifth error is the late payment thats being reported XXXX is reporting that there was no late payment in XXXX but equifax is reporting it as 30 days late and in XXXX XXXX is reporting 30 days late but equifax is reporting 60 days and XX/XX/XXXX XXXX is reporting 60 days when equifax is reporting 90 days but XXXX is reporting 90 days late in fed XXXX. There is so many errors on this XXXX account alone that i distorted and came back verified and updated which you can obviously see was not so there for i believe that they should remove the account from my credit file theyve been reporting wrong information on this account for years

Company response to consumer: Closed with explanation