Consumer complaint received 2019-12-08
Company: EQUIFAX, INC.
State: NY
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:
Additional information has been received from the credit bureau ( Equifax ) after submitting a dispute challenge letter to the company over 45 days ago. The company has finally responded. ( Please see an attachment for further details. ) In my disputed challenge letter : XXXX XXXX XXXX XXXX   XXXX ) was disputed and challenged for reporting multiple inaccuracies and violations. 
In response report : Equifax still continuously reports inaccurately and is in violation. 

( Please see in attachment ) Equifax reports : XXXX XXXX XXXX XXXX report a past due amount on a collection account. This is a violation : as a result this account must be deleted. 

( Please see details in attachment ) Equifax reports : XXXX  XXXX XXXX  XXXX reports that this account was open on XX/XX/XXXX. This is a real aged account. There has been no proof of payments made to the collection agency. As a result this account is reaged and is in violation : as a result this account must be removed effective immediately. 

( Please see details in attachments ) Equifax reports ; XXXX  XXXX   XXXX  XXXX  reports first delinquent date of XX/XX/XXXX but also reports opening date of XX/XX/XXXX. How can this be accurate?? 
This is a violation ; as a result XXXX  XXXX XXXX XXXX  must be removed from my Equifax report immediately. 

XXXX  XXXX XXXX XXXX- is currently in violation for reporting multiple inaccuracies. ( Please see for the details in attachments ). 

Equifax currently reports : XXXX XXXX XXXX XXXX  has a past due amount of {$17000.00}. This is a violation : a past due can not be reported on a closed/ collection/charged off account. As a result XXXX XXXX XXXX finance must be removed from my Equifax credit report immediately. 
( Please see attachments for further details XXXX Equifax currently reports : XXXX XXXX XXXX XXXX  with late payment status after account has been closed/ charged off/ collection. This is a violation : as a result XXXX XXXX XXXX XXXX  must be immediately removed from my Equifax credit report. 

( Please see attachment for further details ) Equifax currently reports : XXXX XXXX XXXX XXXX  has a monthly payment of {$680.00} per month. This is inaccurate reporting any violation. As a result : Equifax must remove XXXX XXXX XXXX XXXX  from my credit report active immediately. 
( Please see attachments for further details ) Equifax currently reports that XXXX XXXX XXXX XXXX was open in XXXX of XXXX. But does not report any payment history from XXXX. Of which may indicate statue of limitation proceedings on this account. This is a violation : as a result XXXX XXXX XXXX XXXX  must be deleted from my Equifax credit report effective immediately. 
( Please see attachments for further details ) Equifax currently report last payment date of XXXX XXXX. This last payment date can not be verified by either the original creditor or Equifax. This is inaccurate reporting and a violation. As a result this account must be removed from my Equifax report effective immediately.

Company response to consumer: Closed with explanation