Consumer complaint received 2015-08-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Within the original dispute noted above, was a complaint regarding XXXX 's trade line within the Equifax CRA data base. Equifax has failed to answer to the dispute. 

I own this debt, and am the author and owner of such verbiage included in this complaint, classification of this dispute as one of ownership is neither warranted or within the confides of the rules and regulations that govern all CRA 's. 

The XXXX record at Equifax is incomplete, and this is as per the file specifications for a Credit Grantor to create/maintain tradelines on the XXXX standard file layout, along with the details contained in the XXXX and XXXX publishing's.- at any CRA. 

EQ.-1. XXXX is an incomplete record, and based on the FCRA - must be deleted2. Equifax has manually updated the XXXX account for the last XXXX months, and destroyed its integrity and validity. 
3. As a result of EQ 's last manually update, the record is now both incomplete and inaccurate, and as per Section 15 U.S. Code 1681i, this record/account must be deleted. 
4. I dispute the " Date Opened '' value in the XXXX record, as there is no PAYMENT HISTORY to support this account, or such a status as a result. Lacking the PAYMENT HISTORY - the record is incomplete, Equifax 's manual updates in both XX/XX/XXXX, XX/XX/XXXX and XX/XX/2015, deleted such history, and as a result the record is incomplete and invalid. 

5. I dispute the " Date of Last Payment '', as there is no PAYMENT HISTORY to support the " 81 '' month Payment history - this account must have. Lacking the PAYMENT HISTORY - the record is incomplete, Equifax 's manual updates in both XX/XX/XXXX, XX/XX/XXXX and XX/XX/2015, deleted such history, and as a result the record is incomplete and invalid. 

4. I dispute the " Date Major Delinquency First Reported : '', as there is no PAYMENT HISTORY to support this account, or such a status as a result. Lacking the PAYMENT HISTORY - the record is incomplete, Equifax 's manual updates in both XX/XX/XXXX, XX/XX/XXXX and XX/XX/2015, deleted such history, and as a result the record is incomplete and invalid. 

5. I dispute the " Date of First Delinquency '', as there is no PAYMENT HISTORY to support this account, or such a status as a result. Lacking the PAYMENT HISTORY - the record is incomplete, Equifax 's manual updates in both XX/XX/XXXX, XX/XX/XXXX and XX/XX/2015, deleted such history, and as a result the record is incomplete and invalid. 

6. I dispute the " Status : CHARGE-OFF '' as there is no PAYMENT HISTORY to support this account, or such a status as a result. Lacking the PAYMENT HISTORY - the record is incomplete, Equifax 's manual updates in both XX/XX/XXXX, XX/XX/XXXX and XX/XX/2015, deleted such history, and as a result the record is incomplete and invalid. 

7. There is no " Charge Off Amount '' that is listed to support and CHARGE OFF state, therefore I dispute that the completeness and accuracy of this account, as any account in a " CO ' state must have an coinciding - amount. 

Equifax knowingly and intentionally sabotaged this record, and willfully left it in its current state. Attempting to indicate that EQ 's decisions to bastardize this account/record in your database, was as per my request - would simply be empowering me in such a way, and would have one believe that I would tell EQ, to delete something, and then EQ, actually doing it. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any re investigation 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 re investigation ; and

Company response to consumer: Closed with explanation