Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: IA
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:
On XX/XX/XXXX I submitted complaint # XXXX through the CFPB about EQUIFAX reporting XXXX information on my Credit Card with XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX I stated that it was reporting this account as being 30 days late on XX/XX/XXXX and that that information was incorrect as I had called XXXX XXXX XXXX  and they promised to make a MODIFICATIONS to my account using the CARES ACT ( which is good XXXX, XXXX ) which would ADJUST my credit reporting to CURRENT and ON TIME. NOT LATE if I made a payment with them that day. I will attach proof that I made a large payment to cover the back payment due AS WELL when they agreed to make these modifications. I had both health and financial issues during COVID which is EXACTLY who the CARES ACT was meant to protect!! EQUIFAX has FAILED to see me as a person with rights protected under not ONLY the CARES ACT which states CARES ACT FOR COVID-19 Credit Protection During COVID-19 ( XXXX ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current or as the status reported before the accommodation unless the consumer becomes current.This requirement applies throughout the period of accommodation. Loan modifications may include, but are not limited to, forbearance and modified payments.This requirement applies only to accounts for which the consumer has fulfilled requirements of the forbearance or modified payment agreements. This protection is available beginning XX/XX/XXXX, and ended XX/XX/XXXX but also under consumer rights 15 US C 1681 Section 603 ( 3 ) ( E ) which States The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. EQUIFAX has YET to give me a fair and proper investigation as you can see for yourself in my attachments under the PROPER INVESTIGATION act the information shall NOT include specific factual information on a consumers credit record obtained DIRECTLY from a creditor of the consumer OR from a CONSUMER REPORTING AGENCY when obtaining information in an INVESTIGATION about a dispute!!!! They just continue to deny me of my rights again and again. You will see in my attachment their investigation states they requested information from the reporting company themselves!! ALSO, they are NOW SHOWING the account as PAYS AS AGREED and NO DATE OF 1st DELINQUENCY but then in FINE PEINT below all of that shows my account as a # 1 STATUS CODE ( which I will also show ) means 30 days late. MORE DISCREPANCIES and INACCURACIES!! This is my final request with EQUIFAX to make this right before taking legal action.

Company response to consumer: Closed with explanation