Consumer complaint received 2015-07-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I acknowledge this is my account with XXXX XXXX XXXX. This is not the classification of my complaint. 

This complaint has is being lodged against Equifax for failing to DELETE an inaccurate and incomplete record on my credit report. 

Equifax should read this in its entirety, and not classify this dispute/issue as an ownership validation request. Instead of making this an easily traceable legal issue, please simply delete this account. 

1. XXXX request - This account is CLOSED - and has been for XXXX years, yet Equifax has failedto fix this issue, or acknowledge that the record is inaccurate and delete it. This fields alone, is a required field for all Tradelines that have been CLOSED. XXXX stopped reporting this in 2011 - and should have provided this date to EQ - lacking this detail the account is incomplete, and inaccurate and appears as if it is OPEN, and impacting my scores in such a damaging manner, as Equifax knows. 

2. Please stop making changes to this account, that are not part of dispute response, they are traceable, and ongoing and also destroying my credit scores daily/weekly.Any changes, MUST be part of EQ 's response. 

3. Your changes to the PAY SEGMENT of this record, crashed my cores. Delete the Record - or fix the PAY HISTORY4. Lacking a PAY HISTORY, the account is now incomplete - and therefore inaccurate. Please delete this account, or resolve the data issues noted above. 


The XXXX XXXX XXXX account listed on my report has been disputed through the CFBP and to Equifax directly and by certified mail, over XXXX times. In these disputes, Equifax has not responded to the issues brought to them, and instead has supplied responses that do NOT reflect the issues at hand. 
Additionally, and also unjustly, Equifax is making manual changes to this account, and as a result of these changes - causing my SCORE to drop weekly as their attempts to modify data - are done in a " LIVE '' instance of their database. 
1. Equifax 's responses are attached, and indicate that they have verified the data they store, and in fact no DATA changes are/have been made2. Equifax has been manually manipulating my account for over XXXX weeks, but these changes are neither accounted for in my dispute responses, and are also now causing my SCORES to DROP XXXX points, weekly3. The XXXX XXXX XXXX Account is STILL OPEN, when in fact it has been closed for over 5 years4. PLEASE DELETE THIS INACCURATE ACCOUNTThe following issues exist for the XXXX Account in the Equifax Credit Records1. XXXX XXXX XXXX is a closed account, yet the account has no DATE CLOSED - Please CLOSE this account with the actual effective date, or DELETE the entire Accounta. Request - As a result of this missing DATE CLOSED data, the record remains inaccurate and incomplete. Please correct or Delete the entire entry,2. According to Equifax ' data dictionary, the following is a description of the DATE REPORTED fielda. Date ReportedDate account information was last updated by the data furnisher. 
b. XXXX stopped reporting this charged off account when it was sold to XXXX XXXX XXXX in 2011c. The date reported DATE has become a date stamp for manual changes made by EQUIFAX, and is not accurated. Request - As a result of this inaccurate Date - the record remains inaccurate and incomplete. Please correct or Delete the entire entry,3. The Pay History Segment Originally supplied to Equifax, is now gone. This Manual Deletion by Equifax has caused my account to once again drastically drop my SCORES because of this willful deletion, that remains unaccounted for in any response to my disputesa. Please See the attached XXXX history document for the changes that Equifax, and not XXXX, has made to this accountb. Request - As a result of this deletion, the record remains inaccurate and incomplete. Please correct or Delete the entire record

Company response to consumer: Closed with explanation