Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: UT
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:
RE : complaint # XXXX closed on XX/XX/2022. On XX/XX/2022 I disputed with Equifax the four XXXX accounts listed below. Equifax responded to my dispute via the CFPB portal on XX/XX/2022 stating : XXXX THIS ACCOUNT IS CURRENTLY REPORTING AS CLOSED. EQUIFAX VERIFIED THAT THE LAST PAYMENT DATE IS REPORTING CORRECTLY. PLEASE BE ADVISE THAT THE DATE CLOSED IS CURRENTLY REPORTING CORRECTLY PLEASE BE ADVISED THAT DATE OPEN IS CURRENTLY REPORTING CORRECTLY. THIS CREDITOR/AGENCY HAS VERIFIED TO OUR COMPANY THAT THE DATE OF LAST ACTIVITY IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : SCHEDULED PAYMENT, DATE OF MAJOR 1ST DELIQUENCY REPORTED, ACCOUNT HISTORY Company XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACTIVITY DESIGNATOR, ACTUAL PAYMENT, SCHEDULED PAYMENT, DATE OF LAST PAYMENT, CLOSED DATE, PORTFOLIO INDICATOR, PORTFOLIO STATUS, CREDITOR CLASSIFICATION, ADDITIONAL INFORMATION, ACCOUNT HISTORY Company XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACTIVITY DESIGNATOR, SCHEDULED PAYMENT, DATE OF LAST PAYMENT, CLOSED DATE, PORTFOLIO INDICATOR, PORTFOLIO STATUS, CREDITOR CLASSIFICATION, ADDITIONAL INFORMATION, ACCOUNT HISTORY Company XXXX XXXX XXXX XXXX THIS ACCOUNT IS CURRENTLY REPORTING AS CLOSED. EQUIFAX VERIFIED THAT THE LAST PAYMENT DATE IS REPORTING CORRECTLY. PLEASE BE ADVISE THAT THE DATE CLOSED IS CURRENTLY REPORTING CORRECTLY PLEASE BE ADVISED THAT DATE OPEN IS CURRENTLY REPORTING CORRECTLY. THIS CREDITOR/AGENCY HAS VERIFIED TO OUR COMPANY THAT THE DATE OF LAST ACTIVITY IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : SCHEDULED PAYMENT, DATE OF MAJOR 1ST DELIQUENCY REPORTED, ACCOUNT HISTORY Company XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACTIVITY DESIGNATOR, SCHEDULED PAYMENT, DATE OF LAST PAYMENT, CLOSED DATE, PORTFOLIO INDICATOR, PORTFOLIO STATUS, CREDITOR CLASSIFICATION, ADDITIONAL INFORMATION, ACCOUNT HISTORY Company XXXX XXXX XXXX XXXX THIS ACCOUNT IS CURRENTLY REPORTING AS CLOSED. EQUIFAX VERIFIED THAT THE LAST PAYMENT DATE IS REPORTING CORRECTLY. PLEASE BE ADVISE THAT THE DATE CLOSED IS CURRENTLY REPORTING CORRECTLY PLEASE BE ADVISED THAT DATE OPEN IS CURRENTLY REPORTING CORRECTLY. THIS CREDITOR/AGENCY HAS VERIFIED TO OUR COMPANY THAT THE DATE OF LAST ACTIVITY IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : SCHEDULED PAYMENT, DATE OF MAJOR 1ST DELIQUENCY REPORTED, ACCOUNT HISTORY. Equifax did not update all information and lied about doing so. As evidenced by the copy of my Equifax credit report pulled on XX/XX/2022 ( attached ), Equifax did not update the scheduled payment, closed date or date opened as they claim they did. This alone is grounds for immediate removal from my credit report. Equifax is required under the FCRA to ensure all information they report is 100 % accurate. I have disputed this information multiple times with Equifax and they refuse to correct it, therefore, Equifax is required to remove it from my consumer credit report. Additionally, Equifax is reporting two more inaccuracies. Payment status currently states collections when the account is no longer in collection and has been paid in full by consolidation. Comments lists paid collection and fixed rate, however, it omits that this account has been disputed by consumer. Equifax must update this information. Equifaxs refusal to provide correct and complete information is causing me financial and emotional distress due to student Grad PLUS loan denials. If Equifax continues to report this inaccurate information without providing verification to me that it is correct, I will pursue legal action with a consumer protection attorney. 
XX/XX/XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX

Company response to consumer: Closed with explanation