Consumer complaint received 2020-04-17
Company: EQUIFAX, INC.
State: NY
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:
-- - USDOEXXXX - This account is being reported with an abbreviated name, the full name of the servicer should be on the account. 

XXXX and XXXX are reporting the Date of Last Payment as XX/XX/XXXX, Equifax is reporting it as XX/XX/XXXX. No payments are due to this account at this time, however these dates are all inconsistent. However, XXXX  is reporting the Date Last Active as XX/XX/XXXX, XXXX  shows XX/XX/XXXX, and Equifax shows XX/XX/XXXX - none of these dates match and how can there be activity when no payment has been made? 

All three bureaus are reporting the high credit as {$57000.00}, but the balance shows {$62000.00} for XXXX and Equifax while XXXX shows an amount of {$62000.00}. This is a violation that has failed to be addressed repeatedly. - These amounts do not match. This information is not being reported 100 percent accurately according to the law. XXXX has repeatedly failed to report this account was in dispute at all. Equifax removed that this account is in dispute from the comment. 


-- -- XXXX XXXX - Equifax is the only company reporting this account on top of there being an invalid account number. I am also only listed as an authorized user. This is not considered my account and should be removed. 


-- -- Another XXXX XXXX  account is being reporting by XXXX and I am only listed as an authorized user, this isn't considered my account. 



-- -- - XXXX - Equifax is reporting the high credit limit as {$2300.00} while the credit limit was left at {$0.00} while XXXX and XXXX  are reporting the high credit amount as {$2800.00} with a credit limit of {$2300.00}. 

XXXX is reporting the Date Last Active as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX, and Equifax as XX/XX/XXXX. These dates are supposed to match since they are supposed to receive the same exact information from the company. The date of last payment for XXXX  shows XX/XX/XXXX, but the date last active is XX/XX/XXXX. 

XXXX also shows a date last active as XX/XX/XXXX, but the date of last payment as XX/XX/XXXX. Equifax shows as date last active as XX/XX/XXXX with a date of last payment as XX/XX/XXXX. Why do none of these dates with these companies match? This is not being reported accurately still. 

I have also been making payments to this account since XX/XX/XXXX. I have paid XXXX, XXXX, XXXX, and XXXX so far. The two year payment history doesn't even reflect this. None of the bureaus are reporting this information. How can they have verified this account and still be reporting all of this so wrong? 




-- - XXXX XXXX - I have been making payments ever since XX/XX/XXXX to this company up until now. XXXX shows a two-year payment history with CO, however Equifax shows I have been making payments since XX/XX/XXXX. XXXX  is reporting this wrong. 

XXXX shows a date last active as XX/XX/XXXX, XXXX as XX/XX/XXXX, and Equifax as XX/XX/XXXX. Again I have been making payments to this account since XX/XX/XXXX. However, XXXX  is reporting the date of last payment as XX/XX/XXXX, XXXX as XX/XX/XXXX, and Equifax as XX/XX/XXXX. Equifax shows a last reported date as XX/XX/XXXX, XXXX shows XX/XX/XXXX, and XXXX  shows XX/XX/XXXX. This information is not only inaccurate, but being reported inconsistently by all three bureaus. They did not verify this information as correct as I have attached evidence and they refuse to change it. These companies are obligated under the FCRA to report this information totally accurate and they aren't. This is severely affecting my credit score. 

Equifax is also reporting the credit limit as {$0.00} while XXXX  and XXXX  are reporting it as {$8800.00}. XXXX  is reporting the High credit as {$0.00} while XXXX  and Equifax are showing {$9200.00}. 

All three bureaus are reporting a past due balance on a charge-off, which is a violation that they still have not corrected. XXXX is showing a past due amount of {$8900.00}, Equifax and XXXX  show {$9000.00}. The account is already carrying a balance, it should not reflect a past due amount. Again, this is a violation. 

These companies are refusing to do a proper investigation into these errors. I have even asked for their method of verification and they didn't provide the information I requested, which I am allowed by law to request.

Company response to consumer: Closed with explanation