Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I filed disputes with Equifax, XXXX, and XXXX. All 3 Bureaus claimed to have completed a reasonable investigation with the funisher of information and verified the accounts listed below as reporting 100 % accurate. However, these accounts are STILL inaccurate and the 3 Bureaus is STILL continuing to report errors on my credit file, which is causing damage to my credit score. All 3 Credit Bureaus is in violation of the FDCPA. They know for a fact that they are required under the FCRA to properly verify the accuracy of an account listed on my credit report, which they did not do. This is grounds for removal.

Account Name : XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. Equifax is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Equifax is also reporting 120 days late. Collection accounts can't report late payments. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies. 

Account Name : XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. Equifax is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Equifax is also reporting 120 days late on a collection account. Collection accounts can't report late payments. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies. 

Account Name : XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. Equifax is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies. 

Account Name : XXXX XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. Equifax is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Equifax is reporting a high balance of {$470.00}, XXXX is reporting {$810.00}, XXXX is reporting {$0.00}. How can the date of last activity and high balance be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies. 

Account Name : XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. Equifax is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Equifax is reporting a high balance of {$17000.00}, XXXX and XXXX is reporting {$21000.00}. How can the date of last activity and high balance be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies. 

Account Name : XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. Equifax is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Equifax is reporting last payment on XX/XX/XXXX, XXXX is reporting XX/XX/XXXX. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies. 

Account Name : XXXX XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. Equifax is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Equifax is reporting account being open, XXXX is reporting account being closed. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies. 

Account Name : XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. Equifax is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies. 

Account Name : XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. Equifax is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies. 

Account Name : XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. Equifax is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies. 

Account Name : XXXX XXXXXXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. XXXX and XXXX claim to have verified the account, but many discrepancies were found having inaccurate, incomplete, and or different information from what the other claims to be accurate. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies. 

Account Name : XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. XXXX and XXXX claim to have verified the account, but there are multple inaccuracies. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies. 

Attached file showing inaccuracies.

Company response to consumer: Closed with explanation