Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX I pulled all three of my credit reports including XXXX, Equifax and XXXX. I begin looking at all accounts listed and noticed inconsistencies between several accounts. After noticing this misinformation I reached out to all three bureaus asking to have this incorrect information removed from my credit reports. For instance, XXXX and Equifax are reporting completely different information on four closed accounts in particular. While XXXX is only updating the disputed information as accurate without providing validation of any of their procedures used to conclude their investigation. 
Account 1 via XXXXXXXX : Car Repossession creditor XXXX XXXX last pay listed as XX/XX/XXXX. Same account via Equifax last pay listed as XX/XX/XXXX. The account was previously listed as closed with no known updates since XX/XX/XXXX. That is until Equifax updated payment history on XX/XX/XXXX and XXXX on XX/XX/XXXX with 20+ late payments dating back to original close date. I also noticed that each month from XX/XX/XXXX until now XX/XX/XXXX XXXX XXXX has been continuously updating the balance each month and accruing interest on said closed account. According to my credit report in XX/XX/XXXX balance was {$13000.00} as of today XX/XX/XXXX balance is {$15000.00}. Thats a difference of {$2200.00} in interest on a closed account in repossessed status. 
Account 2 via XXXX : XXXX XXXX XXXX XXXX last pay is listed as XX/XX/XXXX. Same account via Equifax has last pay listed as XX/XX/XXXX. This same closed repossessed account was updated in XX/XX/XXXX with again 20+ late payments dating back from XXXX until XX/XX/XXXX. 
Account 3 via XXXX : XXXX XXXX XXXX XXXX Charged off Credit Card balance {$10000.00}. This account was closed on XXXX XXXX. It has a last payment date of XX/XX/XXXX. Same account via Equifax has last payment date of XX/XX/XXXX. This account has since been updated dating back to original close date with over 20+ late payments. 
Account 4 via XXXX : XXXX XXXX XXXX XXXX Charged off Credit Card balance {$5200.00}. This account was closed on XXXX XXXX. Last payment date reported as XX/XX/XXXX. Same account via Equifax has last payment date as XX/XX/XXXX. It has also been updated back dating to original close date now showing over 20+ late payments as well. 
Ive submitted in writing on XX/XX/XXXX to all three credit bureaus asking that all four of these accounts be permanently removed from my credit reports due to inconsistencies and inaccuracies of said debt. It is my understanding that according to the FCRA section 609 and 15 U.S. Code 1681 that all credit reporting should be accurate, comparable and fair. This erroneous information proves to be the complete opposite. It is also affecting my livelihood as my credit scores are directly affected by this misinformation. I would like to for the second time formally request that all documents and procedures used please be sent to me in writing in regards to how the information listed was concluded. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 
I appreciate your time and attention to this matter.

Company response to consumer: Closed with explanation