Consumer complaint received 2020-06-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I would formally like to file a complaint against Equifax for failure to properly conduct investigations and incorrectly or falsely verifying each negative account they are reporting on my consumer report as I have requested. I have been disputing several accounts on my consumer report since XXXX, and Equifax repeatedly states they have verified the accounts. I have sent several requests asking for the method of verification that Equifax used to verify these accounts ; however, they have not produced anything nor did they respond to any of the letters. Additionally, I sent letters to the creditors requesting the proof, copy of the statements showing payment history, and all other data they are reporting to the credit bureaus. I will be discussing in depth these findings below. I have attached some of these documents as supporting evidence that the late payments Equifax is reporting on the below accounts is incorrect data they are publishing and falsifying. 

The first account Equifax refuses to update correctly is the XXXX XXXX XXXX  XXXX. I sent a copy of a letter I received from XXXX XXXX XXXX  stating they would remove the negative payment history reported on this account that was dated in XX/XX/XXXX. I sent a copy of this letter to Equifax on XXXX after Equifax failed to update the account when they received the information from XXXX XXXX. No action was taken on their part. I resent the letter from XXXX XXXX and requested Equifax to remove the negatively reporting information. I also reached out to XXXX XXXX again to have them communicate with Equifax. The sent another letter dated XXXX stating they would request the credit bureaus to delete the negative information/late payments. This time was successful and Equifax deleted the late payments reporting on this account from on XXXX. Equifax re-added the negative information/late payments on the account on XXXX reflecting late payments for XX/XX/XXXX through XX/XX/XXXX. I have attached a copy of both of these letters received from XXXX XXXX XXXX  XXXX same letters I sent to Equifax XXXX along with screenshots of the changes Equifax made to the account over the last several months. Furthermore, on the most recent update/change to this account, not only did Equifax re-add the information but they also are non-compliant with the FCRA by reporting incomplete payment history. On the attached screenshot I have highlighted all discrepancies. 

XXXX is another account I have requested Equifax to verify all the factual data because it is reporting incorrectly as well. I have disputed the payment history on this account several times the last few being XXXX XXXX and XXXX XXXX, both coming back verified as accurate. After sending a letter to XXXX a request to provide a copy of all factual data relating to the account, I received a copy of the statement for this account ( enclosed ) which contradicts what Equifax is reporting. Equifax currently is reporting a late payment on this account in XX/XX/XXXX XXXX 30 days late ), missing/incomplete payment history, and reporting Paid on time payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The last payment on this account, as indicated on the enclosed statement, is XX/XX/XXXX, therefore the three payments listed above are being reported incorrectly. The XX/XX/XXXX payment was made on time as indicated on the enclosed statement. Equifax is not verifying these accounts and all information they are reporting to be factual and true as they are required and mandated to according to FCRA regulations. They are non-compliant in reporting practices and the late payment deleted immediately. 
I have disputed XXXX XXXX XXXX with Equifax numerous times and have disputed many factors, the most recent being XXXX XXXX and XXXX XXXX. All coming back verified. Equifax is currently reporting a late payment for XX/XX/XXXX and XX/XX/XXXX and reporting the account as a Charge Off CO from XX/XX/XXXX through XX/XX/XXXX ( screenshot attached ). This account was never a charge-off and was paid in full monthly as an installment plan. The statement I received from XXXX XXXX XXXX XXXX also enclosed ), the first payment was due on XX/XX/XXXX and made on XX/XX/XXXX ( not late ), and the last payment made was XX/XX/XXXX and due date was XX/XX/XXXX ( not late ). Account was closed and paid in full on XX/XX/XXXX, well before the Charge-offs with missing/incomplete payment information between the XX/XX/XXXX late they are showing and the Charge-off. Again, Equifax is non-compliant with reporting procedures and laws. I want the late payments deleted immediately. 
I have requested Equifax to also verify the incomplete/missing payment history and late payments they are reporting for my XXXX XXXX  account. This has been disputed along with the other accounts listed above and every time Equifax comes back verified and accurate most recent being XXXX XX/XX/XXXX. I also sent a letter to XXXX requesting a copy of the statements with account history and all other data relating to the account. I received a letter from XXXX stating they needed more information before they could provide documentation to verify the account, which is against FCRA guidelines. But if XXXX cant verify my account, how was Equifax able to? I have asked for this information from Equifax but they have never sent anything. How is this an accurate and verified account if they are missing the payment history? Enclosed is a copy of their report with the discrepancy circled. 
On the XXXX account opened XX/XX/XXXX, they are reporting a XXXX late payment for XX/XX/XXXX but nothing reported the month prior and missing payment. The only thing they are reporting is late payments. Per FCRA Guidelines, there can not be missing payments and reporting data incorrectly. I have enclosed a copy of their report with the discrepancies circled. 
The XXXX XXXX account is reporting the same way and has been disputed along with the rest of them. Equifax is reporting missing/incomplete payment history. Additionally, they are reporting my last payment on this account was XX/XX/XXXX but have XX/XX/XXXX reporting as 30 days late. Impossible when the month prior was paid on time according to the incomplete payment history they do have. I have enclosed a copy of this with the discrepancies circled. 
Additionally, I discovered an inquiry on my report. XXXX conducted an inquiry on my Equifax consumer report on XXXX without my authorization. I have disputed this with Equifax as well. I also provided them the letter that XXXX sent to me after I declined to have them check my credit which ( copy enclosed ). Equifax did not verify whether it was an authorized pull, they sent a dispute result saying it was factual. The letter from XXXX is proof. I want this deleted from my report immediately. 
Equifax needs to be held liable and responsible. If they verified all data to be factual, accurate and true, as mandated and in accordance with FCRA laws and my rights as a consumer, I would not be writing this. Their wrongdoing and falsifying my report with derogatory and negative information does impact me, my score, and my future. To ensure fair and accurate reporting, is the Equifax motto. They need to abide by this.

Company response to consumer: Closed with explanation