Consumer complaint received 2016-06-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax Credit Reporting inaccurate information on credit report. 
Consumer disputes the accuracy of the credit information on XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX. 
Equifax credit report dated XXXX XXXX XXXX ( EXHIBIT XXXX ), XXXX XXXX, XXXX ( EXHIBIT XXXX ) and XXXX XXXX XXXX ( EXHIBIT XXXX ), reporting erroneous payment/late payment/incomplete reporting information Equifax fails to report all payment information rather just indicating only the late payments. 
Reporting Agencies fail to report the date of first delinquency on the report. 
Reporting agencies verified that they believe the information is being reported accurately. 
Reporting agencies fail to verify the accuracy on the report. 
Reporter fails to report all payment information rather just indicating only erroneous late payment months. 
Reporter fails to report the date of first delinquency on the report. 
Reporter verifies that they believe the information is being reported accurately ( EXHIBIT XXXX ) .. 
Reporter 's report is incomplete. 
Creditor fails to verify accuracy of the report. 
Reporter reporting different information to the major reporting agencies. 
Consumer disputed the information to the reporting agency as well as the reporter ( EXHIBIT XXXX ) .. 
Reporting Agency and the Reporter confirm that the reporting is correct. 
Reasoning Equifax report dated XXXX XXXX, XXXX ( EXHIBIT XXXX ) is not consistent with XXXX Credit Report Dated XXXX XXXX, XXXX Report # XXXX indicating payment information ( EXHIBIT XXXX ). 
Equifax report dated XXXX XXXX, XXXX is not consistent with XXXX Credit Report Dated XXXX, XXXX Report # XXXX ( EXHIBIT XXXX ). 
The combined report of XXXX different agencies provided by Equifax indicates different number of late payment occasions and this difference is clear evidence of the inaccuracy of the report of reporter as well as the reporting agencies. ( EXHIBIT - XXXX ). 
Consumer had disputed the information with XXXX on XXXX XXXX ( EXHIBIT XXXX ). 
XXXX Report was the result of a dispute in or about XXXX XXXX and the report was updated by the provider as a result of the dispute. ( See area circled under " Status EXHIBIT XXXX ) According to the XXXX report dated XXXX, XXXX and XXXX XXXX indicating " 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ''. This information was updated by the reporter after investigating of my dispute on or about XXXX XXXX, XXXX ( EXHIBIT XXXX ) and ( EXHIBIT XXXX ). 
On the combined report provided by Equifax indicates that the report from all XXXX agencies are different in reporting late payments ( EXHIBIT XXXX ). 
The accuracy of the report is questionable because of the inconsistent reporting. 
Equifax having no payment records in any of their reports is a clear indication of incomplete and inaccurate reporting. 
Equifax having no first delinquency date reported in any of their reports is a clear indication of incomplete and inaccurate reporting. 
Reporter having no payment records in any of their reports is a clear indication of incomplete and inaccurate reporting. 
Reporter having no first delinquency date reported in any of their reports is a clear indication of incomplete and inaccurate reporting. 
The erroneous reporting in various credit reporting agencies shows that the accuracy of the report is questionable. Failure to report the date of delinquency and incomplete reporting are violations of the FCRA rules. 
This inaccurate reporting is damaging my credit.

Company response to consumer: Closed with explanation