Consumer complaint received 2016-01-07
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am very confused in regards to the responses received from Equifax for disputes and complaints I have sent to both Equifax , CFPB, and the XXXX for the stated accounts : XXXX XXXX XXXX - XXXX ( should be deleted per 15 U.S. Code 1681c 7 year rule ) XXXX XXXX - XXXX ( need adequate verification for DoFD, please see attached items in dispute ) XXXX XXXX - XXXX ( DELETE see attached letter ) XXXX XXXX - XXXX ( should be deleted per 15 U.S. Code 1681c 7 year rule ) XXXX - ( need adequate verification for DoFD to insure it is within the 7 year staute ) XXXX XXXX - XXXX ( should show as PAID scheduled for removal XXXX per XXXX XXXX representative ) In your responses to these complaints you have stated that these items have been " verified '' however, the information you have supplied to me is inconsistent with what is listed in my file. For example, confirmation # XXXX states that XXXX verified that the account is not closed, yet the closed date shows as XXXX on THE SAME REPORT! that does not make sense. When I called your customer dispute department on XXXX XXXX, XXXX to question this I was told that this is the information that was sent to Equifax. I called XXXX at the number that was provided in my crdit file and was told that my account can not be found by XXXX person, so I called another number and was told to dispute with XXXX in writing to XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I did so XXXX XXXX, XXXX and have not heard back from this creditor. The innformation on the report now states that the information was obtained from XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX FL XXXX Phone : ( XXXX ) XXXX. I called this number and received the same information from the previous pleathora of numbers for XXXX, NOTHING. 
Additionally, when I asked when this XXXX will be removed since it is at the 7 year mark for removal and has been removed from XXXX and XXXX already, I was told that it can not be removed until XXXX XXXX which is only three months from now, however, when I inquired about Bonded collections for the date of first delinquency I was given XXXX, yet Equifax removed this XXXX and When I contacted Bonded they sent me a letter showing that the date they had was XXXX. It was not from the original creditor, however equifax still removed it. In another example, I received a status update for a supposed mailed in dispute, confirmation # XXXX for XXXX. I HAVE NOT MAILED IN A DISPUTE FOR XXXX!! The only XXXX account I have is satisfactory and has been closed for over 7 years! 
I highly doubt that a " reasonable re-investigation '' was completed in regards to the above accounts and I am exercising my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. 

I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers. If you are unable to provide such, I expect these negative trade lines to be removed. If not I will seek legal action as I have exausted all other avenues to resolve this complaint where information is obviously not reported accurately.

Company response to consumer: Closed with explanation