Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: OH
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:
Below are a list of companies that reported past late payments or charge off accounts that were inaccurate. I submitted two rounds of letters to XXXX, Equifax, and XXXX explaining the reporting error. Both times their investigation yielded a verified payment history from a third party source ie XXXX, XXXX XXXX, XXXX, XXXX, and XXXX. After my first letter, and realizing that they are just copying information from these data companies and not contacting the original creditors as I did, I elected to opt out of all minor reporting agencies. 
My hope was to force them to do a legitimate investigation to validate my dispute. To my surprise, after I had received verification that my file was opted out of third party data collection, My second letters I sent out showed that very same thing. They claimed that they verified the information with the SAME third party companies. The accounts are as follows : XXXX XXXX acct # XXXX Opened XX/XX/XXXX Status Closed- Potential late payment Dept of Education/XXXX Balance {$5100.00} Acct # XXXX Opened XX/XX/XXXX Status : Current ; 180 days or more past due XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Status : Included in OR discharged through bankruptcy XXXX  XXXX, OR XXXX also states " 1 potentially negative month XXXX XXXX XXXXXXXX XXXX XXXX 
Acct # XXXX Opened XX/XX/XXXX Status : " POTENTIALLY 10 negative months. '' Also states " legally paid in full for less than the full balance. '' XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance {$14000.00} 8 late payments- This is not my account. I did not attend school or apply for financial aid in this year. 

XXXX XXXX Bank XXXX Opened XX/XX/XXXX Balance {$1000.00} Status Charge off XXXX XXXX XXXX Acct # XXXX Balace {$6700.00} Status : Charge off XXXX XXXX XXXX Acct # XXXX Secured amt. {$500.00} Status : Debt included in bankruptcy XXXX  XXXX OR XXXX This was a secured debt and not eligible for bankruptcy XXXX XXXX  Acct # XXXX Opened XX/XX/XXXX Balance {$7000.00} XXXX XXXX XXXX Balance {$22000.00} Opened XX/XX/XXXX Status : Charge off XXXX Shows up five times even though it was consolidated into one payment. I was never late on student loans. I did use deferment while in school, and forbearance in tuff times, but NEVER late. 
The four XXXX listings all share the same acct # ( ie consolidated ) but different amounts. So when they reported 2 late payments in error, it showed up as 10 late payments. 
Acct # XXXX ( all 5 are the same ) 1. opened XX/XX/XXXX Bal. {$9500.00} Status : Current; was 90 days past due-2 late payments 2. opened XX/XX/XXXX XXXX. {$12000.00} Status : Current; was 90 days past due- 2 late payments 3. opened XX/XX/XXXX XXXX. {$11000.00} Status : Current; was 90 days past due- 2 late payments 4. opened XX/XX/XXXX XXXX. {$7100.00} Status : Current ; was 90 days past due-2 late payments 5. opened XX/XX/XXXX Bal. {$2700.00} Status : Current ; was 90 days past due-2 late payments XXXX XXXX XXXX Acct # XXXX opened XX/XX/XXXX Status : included in bankruptcy XXXX XXXX OR XXXX-This is not my account XXXX Acct # XXXX Bal {$1200.00} opened XX/XX/XXXX Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department-This is not my account XXXX XXXXXXXX XXXX Acct # XXXX Bal. {$1100.00} Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department- This is not my account XXXX XXXX  Acct # XXXX Bal. {$1800.00} Acct XXXXype : Debt Buyer Status : Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department

Company response to consumer: Closed with explanation