Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: CT
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:
I received the outcome of the latest factual dispute, and I disagree. The accounts that were previously in dispute, which were VERIFIED as accurate are still currently reporting inaccurate, incomplete, and unfair data. Your company refuses to ensure that the accounts listed below are reporting accurately which is a violation of the Fair Credit Reporting Act [ 15 U.S.C 1681 ( i ) ( a ) ( 5 ) ] ( Procedure in Case of Dispute ).

Credit reporting agencies have refused to conduct their own thorough investigations. They have allowed creditors to report so-called updates. When in fact no information were really updated and positive information was removed. As you can see in your records, my disputes on the accounts listed started in XX/XX/XXXX. However, til this very day your company blatantly ignores incompleteness of these accounts. Therefore, I am requesting a RE-INVESTIGATION of the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX -Different account number reported to other credit reporting agencies- First Date of Delinquency illegally changed -Date of Last Activity is missing -Closed account with Balance amount and Past due Balance - Wrong Balance amount -Falsely reporting 90 day Late XX/XX/XXXX thru XX/XX/XXXX after closed charged off account. 
-Dispute status not documented -Payment History displays inaccurate and/or incomplete data -Positive payment history removed XXXX ) XXXX XXXX XXXXXXXX - XXXX XXXX XXXX Delinquency illegally changed -Date of Delinquency First Reported has been re-aged to XX/XX/XXXX -Date of Last Activity is missing -Closed account with Balance and Past due Balance -Wrong Balance amount -False 90 day Lates from XX/XX/XXXX thru XX/XX/XXXX after the closed and/or charged off date -Payment History displays inaccurate and/or incomplete data - Positive payment history removed XXXX ) XXXX XXXX - First Date of Delinquency illegally changed -Date of Last Activity is missing -Closed account with Balance and Past due Balance -Wrong Balance amount -False 90 day Late from XX/XX/XXXX thru XX/XX/XXXX after the closed and/or charged off date -Payment History displays inaccurate data - Positive payment history removed -Account should show closed date XXXX ) As of XX/XX/XXXX, a new collection account XXXX XXXX XXXX ( ID # XXXX ) former owner XXXX XXXX XXXX XXXX started reporting without addressing my dispute. It should be noted that XXXX XXXX XXXX XXXX account # XXXX sold this account without satisfying several requests to provide me proof of the balance. In addition, immediately after receiving XXXX XXXX  initial letter, I contacted XXXX in writing via email and certified letter disputing this debts balance. XXXX and XXXX XXXX XXXX XXXX continues to deny me the right to fully address the false debt balance before reporting this new COLLECTIONS account on my credit report. 

Please note that I have attached several credit reports directly from Equifax and other credit reporting agencies that clearly show that your agency is responsible for lenders receiving misleading information that I have recent late payments. 

Please note that your company is continuously in violation and falsely manipulating my utilization score and continues to jeopardize my credit rating. I am requesting your company prove that the aforementioned accounts were in fact legally due for a payment and prove that the owner of these accounts had a legal right to collect payments for those alleged late dates.

Company response to consumer: Closed with explanation