Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On or around XXXX XX/XX/XXXX I filed a dispute with Equifax regarding the date of first delinquency reported on an XXXX XXXX account/tradeline. The dispute showed the date of first delinquency, as reported, is inchoate because it corresponds to a month when the payment history clearly shows payments were made on-time. I have filed several CFPB complaints in the past for this account citing both XXXX XXXX and Equifax unwillingness and/or inability to fix the payment history for this account, which has reported periods of delinquencies which has been brought current and then randomly began reporting up to one-hundred and XXXX ( XXXX ) days past-due in XXXX and XXXX for an account XXXX alleges it charged-off in XX/XX/XXXX after XXXX stopped generating bills, locked me out of the account, and gave me bad information ( in writing ) on making payments with its collections agent. For clarity the collections agent later returned the account to XXXX because XXXX is alleged to have violated Consumer Protection laws, Banking Laws, and the XXXX. The date of first delinquency plays a key role in determining how long derogatory information remains in a credit file -- it is from this date that derogatory information falls off the report. The date of first delinquency is currently reported as XXXX XX/XX/XXXX, which is nearly one ( 1 ) year AFTER the date the account was alleged to have been charged-off ( due to XXXX own XXXX ). The date of first delinquency is the date from which past-due payment statuses on a account are measured for an identified period of delinquency. If that date is inaccurate, then the derogatory payment history becomes false/misleading/inaccurate. While Equifax alleges it conducted an investigation and returned the results on XXXX XX/XX/XXXX, the results of the investigation show that Equifax did nothing. Equifax continues to allege an inchoate date of first delinquency of XXXX XX/XX/XXXX. With two ( 2 ) different periods of alleged missed payments ( for payment history that should not exist ) this date of first delinquency is crucial. If the date of first delinquency can not be established the the derogatory payment history, and any alleged charge-off, can not be reported because such information relies upon the date of first delinquency. An account that is alleged by XXXX to have been charged-off in XX/XX/XXXX, with XXXX subsequent periods over which the account was allegedly brought current and then allowed to go past-due for periods of up to XXXX XXXX ( XXXX ) days, with a date of first delinquency that corresponds to a month when the account is alleged to have been paid as agreed, is patently inchoate. At this point Equifax knows or should know the information reported by XXXX is erroneous and does not meet maximum possible accuracy under XXXX U.S. Code 1681e. XXXX has demonstrated its inability and/or unwillingness to correct the errors for this account/tradeline and at this point Equifax knows or should know the information furnished for this account is false/misleading/inaccurate. Equifax negligence in this matter has prevented me from being able to secure housing, and so I continue to be harmed as a result of both XXXX 's and Equifax 's own negligence. The only remedy Equifax can deliver to resolve this matter once and for all is to follow in the footsteps of XXXX and remove the offending account/tradeline and to block XXXX from reporting the information for this account undre a new and/or duplicate account/tradeline.

Company response to consumer: Closed with non-monetary relief