Consumer complaint received 2020-10-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, my name is XXXX XXXX. I am filing a complaint against Equifax, through the Federal Trade Commission, due to violations of my consumer rights. In XX/XX/XXXX, I submitted a dispute requesting a verification for an account associated with XXXX. The results came back verified and the then I requested a re-investigation through a thorough Method of Verification. Equifax responded, but failed to properly verify my account with a proper information that I requested on my behalf. I requested a series of information to get a better understanding of why my account continuously reports as verified. The Method of Verification questions I submitted, but failed to receive a proper response in this matter, are as followed : What certified documents were reviewed to conclude your investigation?

Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation, as required by the FCRA : a. Who did you speak with? b. What was the date? c. How long was the conversation? d. What was their position? e. What number did you call? f. What is the name of your employee that spoke directly to the creditor? g. What is the position of your employee that spoke to the creditor? Equifax failed to provide me with the proper information Ive requested. This is a violation of my consumer rights. I am requesting that Equifax removes this account from my report immediately.
Moving forward, I took a closer look at the reported XXXX  account and noticed there is payment information listed on my report for a collections account. It states At least 120 days or more than four payments past due. Collections by default are considered late. In fact,
this is a reason why a collections account is sent to collections in the first place. There should not include late payments under the payment history. This is considered misleading information and affects me as a consumer. From my understanding, collection accounts are not supposed to include a payment history or late payments as I do not have any late payment agreements currently set in place with this agency. This collections claiming a history of late payment is a false representation. A collection is by default derogatory, this goes without say. I am requesting that Equifax removes this account from my credit
report immediately.

Moreover, after reviewing the XXXX collections account extensively I noticed there are many errors, inaccuracies, and inconsistencies across all three bureaus ; Equifax,
XXXX, and XXXX. Based on the FCRA, I have a right to dispute incomplete or inaccurate information. I have identified the following information in my file as inaccurate and inconsistent. Below
are the inaccuracies in regards to this XXXX  collections account : ACCOUNT : XXXX  has an account number of XXXX and XXXX  and Equifax has account numbers of XXXX LAST VERIFIED : XXXX  displays XX/XX/XXXX. XXXX  and Equifax displays no date of last verification. 
DATE OF LAST ACTIVITY : XXXX  has a date of last activity of XX/XX/XXXX. XXXX  has a date of last activity of XX/XX/XXXX. Equifax has a date of last activity of XX/XX/XXXX. 
DATE REPORTED : XXXX  and XXXX  have dates reported as XX/XX/XXXX. Equifax have the date reported as XX/XX/XXXX. 
DATE OPENED : XXXX  have date opened as XX/XX/XXXX. XXXX  and Equifax have date opened as XX/XX/XXXX. 
CLOSED DATE : XXXX displays XXXX. XXXX  and Equifax show no closed date. 
ACCOUNT RATING : XXXX  and XXXX  displays paid and Equifax displays closed. 
PAYMENT STATUS : XXXX  and XXXX  displays Collections/Chargeoff and XXXX  displays Late 120 days. 
LAST PAYMENT : XXXX  and XXXX displays the last payment date of XX/XX/XXXX. XXXX  displays the last payment date of XX/XX/XXXX. 
TERM LENGTH : XXXX  displays a 1-month term length. XXXX and XXXX  display no date. 

After explaining and expressing my claim and pointing out many violations of my FCRA rights, to Equifax, theyve resulted in updating this account on my report instead of honoring the proper and ethical request of removing this account from my credit report. As a consumer, I truly feel my consumer right have been forbidden, compromised, devalued, and violated. I have provided proof of my claim. Please see attached documentation. Please remove this XXXX collections account from my credit report immediately. 

Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation