Consumer complaint received 2016-01-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I submitted multiple disputes with Equifax regarding acct identifier : XXXX. This acct was closed in XXXX and was Paid in Full on XXXX. For absolutely no reason, Equifax added the following status : Open, Collection and " C '' mark on payment history in XXXX XXXX, more than 1.5 years after account was closed. This resulted in being denied for credit 3 times when they pulled the Equifax credit report and informed me that I had current delinquency : XXXX Bank XXXX XXXX, XXXX, XXXX Bank XXXX XXXX, XXXX, XXXX Bank XXXX XXXX, XXXX. I have submitted disputes on XXXX occasions attempting to correct this issue : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX - XXXX Equifax did not correct the status of the acct to Paid, Closed but instead it has removed all status and left it blank. Furthermore, the Payment History still shows a " C '' mark for XXXX meaning the account is still in collection. This is contrary to the acct status of paid, closed. I called XXXX XXXX who insisted they report correctly. As it stands now, I filed XXXX complaint XXXX against XXXX XXXX who responded on XXXX XXXX XXXX with a letter ( attached here ). Based on this letter it is clear that XXXX is at fault for willful negligence in not removing the Collection mark for the month of XXXX. 
After the last dispute, Equifax reported the following : " We have verified that this item has been reported correctly. The date closed has been updated. Additional information has been provided from the original source regarding this item. The last payment date and date of last activity are reporting correctly. '' This is gross and willful violation of FCRA for the following reasons : 1. Acct is not reported correctly. No acct status is reported and there is a " C '' mark for XXXX XXXX, more than 1.5 years after acct was paid and closed. 
2. There is no date closed being reported at all. It is left blank. 
3. The last payment date is not reported correctly ; it is left blank. Date of last activity Is not reported either, it states XXXX. 
Equifax has a duty to investigate thoroughly and report correctly on all accts. The above report shows that Equifax did not do any kind of investigation, it did not report correctly and it made false statements as show is their so called verification of data. 
I filed XXXX complaint XXXX against XXXX XXXX who responded on XXXX XXXX XXXX with a letter ( attached here ). Based on this letter it is clear that Equifax is at fault for willful negligence in not removing the Collection mark for the month of XXXX because XXXX XXXX is reporting correctly. Equifax needs to do a thorough investigation and not just a check through their flawed XXXX system. 

I have also asked Equifax to investigate and correct the status of my XXXX XXXX XXXX mortgage acct under the same dispute XXXX. I asked Equifax to change status of acct from 120+ days past due to " closed '' since the acct is no longer past due and it is closed since XXXX XXXX. Once again Equifax claims to have investigated and reported correctly.

Company response to consumer: Closed with explanation