Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: MA
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: Investigation took more than 30 days

Complaint:
To whom it may concern : I have disputed the inaccurate and blatant violations on my Equifax credit report. I sent out another letter that they received on XXXX XXXX XXXX. USPS certified. Tracking number : XXXX. I Called XXXX to check the status of the dispute only find that nothing had been done. I have included the letter that I sent in quotes at the bottom of the letter. 

Equifax is in violation of at least 4 laws 1. 15 USC 1681e ( b ) : Maximum Accuracy. I pointed out in my letter different balances, dates of last activity, re-aging, wrong late reporting dates, payment dates, account status, and payment dates. 

2. 15 USC 1681i Proper Re-Investigation : They received my letter on XX/XX/XXXX and XXXX they had not done an investigation at all. In fact was told that it was just in the system. On XXXX I spoke with representative XXXX who confirmed the latter had not been investigated then was escalated to Supervisor XXXX who also confirmed that there was no investigation. In fact filed a complaint to management. Complaint # : XXXX. This call took place between XXXX and XXXX. 

3. FCRA 623 Notice of Dispute : My credit report did not reflect that there was a dispute. 

4. The investigation exceeded 30 days. 

I called Equifax again on XXXX and spoke with XXXX at XXXX XXXX. She told me that she would contact the creditor and have the in accurated accounts removed. Confirmation number XXXX. 


" I am contacting you again because you claimed to have completed a reasonable re-investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, these accounts are STILL inaccurate, and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. You are clearly violating my rights with no regard for FCRA. 15 USC 1681e ( b ) for Maximum Accuracy and 1681i for proper re-investigation. 

XXXX XXXX XXXX : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. You say this account was verified as accurate according to Report # XXXX. How is this report accurate when Date of Last Activity on this account was XX/XX/XXXX XXXX and XXXX XXXX and XX/XX/XXXX for Equifax. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

XXXX XXXXXXXX : XXXX You say this account was verified as accurate according to Report # XXXX. How is this report accurate when XXXX is reporting a balance of {$130.00} and XXXX XXXX {$130.00} and Equifax # XXXX. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX : XXXX Can you please explain the re-investigation method you used to verify the account? You say this account was verified as accurate according to Report # XXXX. How is this report accurate when there are 3 different DATES OF LAST ACTIVITY. XXXX is Reporting XXXX, XXXX XXXX, and Equifax XXXX. The DATE OF LAST ACTIVITY MUST be the same. Otherwise, this account has been RE-AGED and thats a violation of the FCRA. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

XXXX : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. You say this account was verified as accurate according to Report # XXXX. How is this report accurate when I was never late. And there are different months reporting late. XXXX and XXXX XX/XX/XXXX and Equifax XX/XX/XXXX. Now Update this account to paid as agreed or, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 
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XXXX XXXX XXXX

Company response to consumer: Closed with explanation