Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: VA
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:
CFPB COMPLAINT REF # XXXX I submitted a complaint about your company on XX/XX/22. The request was for you to please verify these accounts and investigate if every piece of information on these accounts are 100 % correct. If not, please remove it from my credit report. 

Your company responded on XX/XX/22 saying that your company has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Your Company Stated : XXXX ACCT # XXXX was properly investigated and the account info has been updated to reflect 100 % accuracy, but how is that possible if ; THE DATE OF LAST ACTIVITY PAYMENT HISTORY are still reporting inaccurately. This is grounds for deletion. 

DEP OF ED ACCT # XXXX was properly investigated and the account info has been updated to reflect 100 % accuracy, but how is that possible if ; THE DATE OF LAST ACTIVITY PAYMENT HISTORY are still reporting inaccurately. This is grounds for deletion. 

XXXX XXXX ACCT # XXXX was properly investigated and the account info has been updated to reflect 100 % accuracy, but how is that possible if ; DATE OF LAST ACTIVITY ACCOUNT NUMBER PAY HISTORY are still reporting inaccurately. This is grounds for deletion. 

DEP OF ED ACCT # XXXX was properly investigated and the account info has been updated to reflect 100 % accuracy, but how is that possible if ; THE DATE OF LAST ACTIVITY PAYMENT HISTORY are still reporting inaccurately. This is grounds for deletion. 


15 USC 1681 Section 611 ( 2 ) ( a ) : Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states ; if items are found inaccurate or can not be verified, the consumer reporting shall promptly delete the information from the file of the consumer.

15 USC 1681e ( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681i ( a ) ( 5 ) ( A ) : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation