Consumer complaint received 2017-01-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been continuing to fight this battle, and Equifax continues to be negligent in properly investigating my inquiries. I have also added a consumer statement to my file of which was not typed word for word as I sent it over to them even though my statement was less than the XXXX word maximum. That aside, Equifax fails to remove the erroneous information from my credit file even tho the statute of limitations for the debt has expired and the reporting period for the debt has also expired. Equifax continues to display XXXX XXXX as an " OPEN '' account and refuses to remove it. The account has been long closed and again the reporting period has expired along with statute of limitations. There are so many inconsistencies that Equifax can not possibly state that this is " accurate '' information. Equifax claims that the date of first delinquency is XX/XX/2010 with XXXX claiming XX/XX/2010, thats a 4 month gap in data. The fact that the creditor and the credit bureau have a 4 month gap in information that is NOT ACCURATE. Equifax continues to report this as an open account which has been detrimental to my credit worthiness. Equifax does not disclose their investigation efforts to me, nor have I received any documents other than " we verified '' okay well how? How is the account still open and only on Equifax? How can you claim accurate when there is a 4 month discrepancy. Also credit report information is supposed to display when an item will automatically self drop off, that information is also not displayed on my report. Theres also no data for the creditor displayed in the report so again if its an open account as Equifax and XXXX claim, then why is there no reporting data, again because the information is not accurate. I 've told Equifax that this account is not open and that the account is outside the reporting period and statute of limitations, I have also informed Equifax and XXXX that they are in violation of the FCDPA and the FCRA and yet nothing happens no one helps. It 's not right and it 's not fair. Equifax has been the most difficult to deal with in getting information in my report listed correctly, XXXX and XXXX have been far more helpful. Equifax is n't doing anything. XXXX has not been helpful and I am currently requesting assistance from the BBB Arbitration Unit ( claim XXXX ) to get XXXX. If I need to seek arbitration or legal assistance to get Equifax to remove the inaccurate information that I have and will continue to dispute then I will do so. I 'm asking the CFPB to please step in and investigate and regulate as its not right. They ca n't just do whatever they want to do because they are so big. There has to be some sort of accountability. While I know I am simply disputing {$150.00} amount, its something that should have been handled years ago that XXXX failed to do. XXXX failed to offer assistance as they claimed they would upon return of items and the account has been also closed for years so the fact they are listing it as open is also a violation, the fact Equifax has not done a thorough investigation also shows their negligence in this matter. The agencies XXXX claims have the account have already stated there is nothing in their records and refer me back to XXXX. The issue is with XXXX and Equifax reporting inaccurate and invalid information. Its as if they are a united front to punish me and ruin my credit worthiness.

Company response to consumer: Closed with explanation