Consumer complaint received 2017-09-01
Company: EQUIFAX, INC.
State: CA
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:
I clearly see that these items are reported inaccurately and yet, both Equifax and XXXX state that these are reported accurately! How can this be when none of these items are marked as disputed and I 've pointed out the actual errors which are violations of the FCRA? I 've listed them all below and have included the section in regards to marking the items as disputed. I am attaching my credit report as proof that they were not marked as disputed by the 31st day after the creditors and bureaus received my 1st dispute letters. 

Section 623 ( a ) ( 3 ) : If a consumer notified a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. 

These are the items that are reporting inaccurately per bureau : XXXX : XXXX XXXX # XXXX never proven to be mine, never proven to be an account I ever agreed to pay, never reported as disputed by either party and never proven to have been investigated delete immediately XXXX XXXX # XXXX never proven to be mine, never proven to be an account I ever agreed to pay, never reported as disputed by either party and never proven to have been investigated delete immediately XXXX # XXXX This account is so blatantly wrong that a judge would laugh in your representatives faces if I took this to court! You cant report a charge-off as open, you cant report a monthly payment on a charge-off and I dont owe this company {$4000.00}! Delete it immediately! 
XXXX XXXX XXXX This account is reporting with a balance that I dont believe that I owe and it wasnt marked as disputed within the required timeframe of 30 days from the receipt of my 1st disputes! Delete immediately! 
XXXX XXXX On top of the fact that this wasnt marked as disputed within 30 days from the receipt of my 1st disputes, you still dont have this marked as paid! I already notified you of this error and yet Im looking right at my credit report and it has no type, no payment status and no payment status details! Delete this immediately! 
XXXX XXXX XXXX XXXX never proven to be mine, never proven to be an account I ever agreed to pay, never reported as disputed by either party and never proven to have been investigated delete immediately Equifax : XXXX XXXX # XXXX never proven to be mine, never proven to be an account I ever agreed to pay, never reported as disputed by either party and never proven to have been investigated delete immediately XXXX XXXX # XXXX never proven to be mine, never proven to be an account I ever agreed to pay, never reported as disputed by either party and never proven to have been investigated delete immediately XXXX XXXX XXXX This account can not possibly be reported with a monthly payment of {$25.00} because its a closed account that was charged-off and it wasnt marked as disputed within the required timeframe of 30 days from the receipt of my 1st disputes! Delete immediately! 
XXXX XXXX On top of the fact that this wasnt marked as disputed within 30 days from the receipt of my 1st disputes, you still dont have this marked as paid! I already notified you of this error and yet Im looking right at my credit report and it has no type, no payment status and no payment status details! Delete this immediately! 
XXXX XXXX XXXX XXXX never proven to be mine, never proven to be an account I ever agreed to pay, never reported as disputed by either party and never proven to have been investigated delete immediately

Company response to consumer: Closed with explanation