Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: GA
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 have been these same disputed inaccuracies on my credit report dating back to XXXX I am tired of receiving the same generic pre-made answer from the credit reporting agency. 

And the results from those disputes have always been the same. They have always told me that accounts were accurateWhich is not correct, never did they do a proper investigation or reinvestigation. I've asked many times on different occasions how these accounts for validated and never was told how! 

so I decided to do some digging of my own and found more numerous inaccuracies and outdated and wrong information on my report I communicated with the three credit reporting agencies about the validity of these inaccuracies only for them to keep reporting same inaccuracy findings Equifax states : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all been investigated and Verified and updated but how was it investigated and verified when all information reporting on from all 3 credit reporting agencies are reporting differently and inaccurate information still one states information deleted and not reporting another states so I am once again I decided to contact the CFPB to file a another complaint about these same inaccuracies this is my third complaint because nothing has being done at all on the credit reportingagency side so in XX/XX/XXXX I placed another complaint with CFPB and was informed that two out of the three credit reporting agencies still are reporting inaccurate information on my credit report. 

Thankfully, XXXX was the only credit reporting agency that was honest and actually did a proper investigation and removed all the inaccurate information and the accounts from my credit report while XXXX and Equifax are still stating the information on my credit report as accurate but how is that possible how can one credit reporting agency " XXXX '' find all the inaccuracies and remove them immediately from there data base and the other two " XXXX and Equifax '' can say the total opposite as Accurate when they all are supposed to be reporting or furnishing the same accurate information how is my information accurate on XXXX and Equifax when there are constant inaccuracies littered all over my report and if the investigation was done properly and correctly they would have noticed these inaccuracies I did my own investigation AS WELL and I found all the inaccurate information and I highlighted it specifically and clearlyfor themsee and I gave them the proof that the information was inaccurate and they still said that the accounts were accurate how is that possible? This is Clearly a Violation but they don't care XXXX was the only Credit Reporting agency who did their investigation properly and found all the inaccuracies that I stated and they deleted the accounts from there information database immediately but yet XXXX and Equifax are still stating that the accounts are accurate. 

HOW!! 

the last time I checked all three consumer reporting agencies are supposed to report the same accurate information if it is not accurate or correct by law they are supposed to remove and delete the account from your credit report if they can not verify the validity of the account that is inaccurate which they have not done but they are saying that they did which is a lie? THE ACCOUNT MUST BE REMOVED So this complaint that I am making again to the CFPB on this date of XXXX the XXXX XXXX I am demanding that all these accounts be removed and deleted from my credit report for NOT ONLY the inaccuracies but also for the time spent waiting for them to properly investigating these inaccuracies that was clearlynot done then as well as violating the Fair Credit reporting act laws as well as my consumer protection rights I am due for compensation today. 

this is my third attempt trying to fix my consumer report and by law by the FRCA my rights have been violated and I am demanding compensation and for these inaccurate accounts to be removed and deleted immediately from my credit report you have 10 days to respond to my request and by law you have to compensate me for everything that I missed out on because you are reporting inaccurate information I disputedit and you replied that it was accurate but you did not properly investigate my disputes you did not properly do a thorough investigation on these accounts this has hindered me in obtaining a mortgage loan a personal loan and Auto loan and credit cards an etc I will be sending all the documented proof that I have to back up my claim and it will be attached to this complaint so there is no way you can deny the inaccurate information provided Please Expedite!

Company response to consumer: Closed with explanation