Consumer complaint received 2015-06-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
A complaint and disputes, were provided to Equifax the last 60 days that are traceable through the USPS, and the CFBP. 

It must be noted that Equifax, has made several changes to my records, and none of these changes are accounted for as part of the DISPUTE RESULTS they are expected/mandated to provide to me as a consumer. The changes - can be seen in the attachments prefixed with " CHANGES ''. 

Equifax - please explain what you MANUALLY updated on the XXXX XXXX XXXX and XXXX XXXX XXXX, and can not or have not provided these changes/updates in any DISPUTE RESULTS document provided to me. 

Additionally, while I have never disputed that accounts for XXXX XXXX XXXX and XXXX were mine, Equifax continues to categorize my disputes, as " Ownership '' disputes, whether the dispute was done over the phone, online, and in writing more than 3 times. The details of my dispute with Experian - that still lacks a response - can be found within the now closed CFPB Complaint - Case number : XXXX, where the response was " Please be advised XXXX XXXX XXXX account number XXXX has been verified as reported with the following Name, Social Security Number, Date of birth and address. XXXX XXXX account number XXXX has been verified as reported with the following Name, Social Security Number and Date of birth .Written confirmation has been mailed to you. ". 

Equifax never read the complaint item listed above, and then could not have response accurately to the complaint itself, and instead said - my name, ssn and dob have been verified. 

The data accuracy, has not been made part of any response from EQ - instead, they have responded in the following manner : Equifax ResponseXXXX XXXX - " & gt ; & gt ; & gt ; We have researched the credit account. Account # XXXX The results are : This creditor has verified to OUR company that the current status is being reported correctly. We have verified that this item has been reported correctly. This account has been updated to report as closed. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX '' We have researched the credit account. Account # XXXX The results are : This creditor has verified to XXXX company that the current status is being reported correctly. We have verified that this item has been reported correctly. This account has been updated to report as closed. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX '' XXXX XXXX '' We have researched the credit account. Account # BANK OF XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX letter '' We have researched the credit account. Account # BANK OF XXXX The results are : This creditor is currently reporting a XXXX balance for this account. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Phone : ( XXXX ) XXXXAdditionally - a screen shot of all of the responses from Equifax is attached.

Company response to consumer: Closed with explanation