Consumer complaint received 2016-02-15
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I am filing this complaint against Equifax Credit Reporting Agency regarding a XXXX account that was charged off. I originally filed a dispute with Equifax regarding the date of first deliquency that was inaccurate on my Equifax credit file in XXXX XXXX. I disputed this 3 times with Equifax. The first results came back from charged off to " Pays as agreed ''. Confirmation # XXXX. It actually states date of last payment in XXXX XXXX. I disputed again requesting the date of first deliquency and the results came back as charged off again. I then called XXXX XXXX XXXX myself and they told me they are unable to tell me the date of first deliquency because their records do not go that far back. I again disputed with Equifax and the results returned back to " Pays as agreed ''. I looked at my Equifax credit report almost two weeks ago and EQUIFAX has now reinserted charge off status. They never informed me in writing of the reinsertion. Now on my Equifax file this account shows in the 81 month payment history that the account was charged off in XXXX of XXXX, it clearly shows in the payment history that in XXXX XXXX there is a 60 day late. The line item section of the report states date of first deliquency was XXXX XXXX, but charged off XXXX XXXX. Makes no sense and is inaccurate. I called XXXX XXXX a second time and refused to help me. Equifax is blaming XXXX XXXX even though it 's clear the information is inaccurate and refuses to delete even though it has passed time to fall off the reporting. Equifax reinserted a charge off status and never informed me of doing so. Equifax and XXXX XXXX must delete this from Equifax immediately. See attah ment regarding this very serious issue. In conclusion The date of first deliquency is infact in XXXX XXXX and was actually charged off XXXX XXXX ( See Attachment ). Equifax reinserted charge off status without informing me and the information is inaccurate. XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ XXXX XXXX. XXXX ] ( XXXX XXXX Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( XXXX ) Duty to Provide Notice of Delinquency of Accounts ( A ) In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. ( B ) Rule of construction. For purposes of this paragraph only, and provided that the consumer does not dispute the information, a person that furnishes information on a delinquent account that is placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if - XXXX ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time at which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency ; ( ii ) the creditor did not previously report the date of delinquency to a consumer reporting agency, and the person establishes and follows reasonable procedures to obtain the date of delinquency from the creditor or another reliable source and reports that date to a consumer reporting agency as the date of delinquency ; or ( iii ) the creditor did not previously report the date of delinquency to a consumer reporting agency and the date of delinquency can not

Company response to consumer: Closed with explanation