Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
Account name : XXXX Account # : XXXX.Duplicate accounts are illegal and a violation of FCRA XXXX had duplicate ( 4 in total ) on my credit report, I disputed them and they violated my rights. XXXX now owes me multiple {$1000.00} per occurrence violations. I demand they be deleted off of my credit report they are harming me. 

Account name XXXX XXXX Account # : XXXX.Duplicate accounts. I demand to see proof of payment for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Account name : XXXX Account # : XXXX.Duplicate accounts shows okay payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that is inaccurate reporting. Therefore REMOVE ALL LATE PAYMENTS off my credit reportAnd update it to paid as agreed due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing Its not accurate. See Red marks on Attached. 

Account name : XXXX  Account # : XXXX accounts payment history shows okay payment in XXXX of XXXX followed by a 90-day late in XXXX of XXXX. This is inaccurate reporting Therefore REMOVE ALL LATE PAYMENTS off my credit reportAnd update it to paid as agreed due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached. 

Account name : XXXX Account # : ( XXXX XXXX ) ( XXXX & Equifax XXXX ) Not my account Account name : XXXX Account # : ( XXXX XXXX ) ( XXXX & Equifax XXXX ) it is illegal for a collections account to have an account type of open This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached. 

1. Account name : XXXX Account # : ( XXXX XXXX ) ( XXXX & Equifax XXXX ) Re-aging a collection account is illegal, XXXX now owes me multiple {$1000.00} per occurrence violations. This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached. 
Account name : XXXX Account # : ( XXXX XXXX ) ( XXXX & Equifax XXXX ) previously disputed account. XXXX, Equifax and XXXX did not do a proper dispute investigation in the allotted time of 30 days, This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached. 
Account name : XXXX Account # : ( XXXX XXXX ) ( XXXX & Equifax XXXX ) I demand to see proof of payment for the date of XXXX XXXXThis is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached. 
Account name : XXXX Account # : ( XXXX XXXX ) ( XXXX & Equifax XXXX ) I demand to see proof of payment for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached. 
Account name : XXXX Account # : ( XXXX XXXX ) ( XXXX & Equifax XXXX ) payment history shows XXXX of XXXX shows ok payment, followed by 120 day late in XXXX of XXXX which is illegal.This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached. 
Account name : XXXX Account # : ( XXXX XXXX ) ( XXXX & Equifax XXXX ) the payment history shows XX/XX/XXXX as an okay payment for Equifax a charge-off for XXXX and no information for XXXX followed by in XXXX of XXXX 120 days late for Equifax a charge off for XXXX and no information for XXXX, This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached. 

Account name : XXXX XXXX XXXX XXXX Account # : XXXX previously disputed account. During the investigation Equifax followed the rules and DELETED the account. XXXX and XXXX did not and are in current violation of my rights! XXXX and XXXX, did not complete the investigation in the allotted time of 30 days. This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached.

Company response to consumer: Closed with explanation