Consumer complaint received 2016-01-22
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX To : The Consumer Financial Protection Bureau ( CFPB ) Credit Report Error Resolution Department From : ( This Complainant ) Copy via the CFPB to Equifax Credit Report Assistance XXXX, GA XXXX ( Or to the address actually used by the CFPB ) ( Re : Failed Resolution of Dispute file # XXXX ) Copy also via the CFPB to XXXX, C A XXXX ( Or to the address actually used by the CFPB ) ( Re : Equifax Credit Report of Complainant - XXXX # XXXX, XXXX. Acct. # XXXX ) Subject : The On-Line Publishable Brief Version of the CFPB 2nd ( of 3 ) Complaint ( s ) filed by this complainant of the Negligently Failed 7-Year End Date Error Removals of the 2nd ( of 3 ) Major Negatives ( in this case ) of the Current Equifax Credit Report of the complainant - Re the Investment Retrievers Past Due Credit Card Balance ( XXXX # XXXX Debt Purchase ) in the XXXX. Account beginning with # XXXX. 

1. There has been an Equifax failure to comply with the 7-year maximum Federal Law to remove a defaulted ( " charge-off '' ) credit card debt error in my personal Equifax credit report for the credit card debt filed by XXXX XXXX - listed as the XXXX. account beginning with # XXXX. This failure has continued beyond the 30-day period following XXXX - the date I phoned in this error to Equifax and created Dispute file # XXXX. More specifically, the error is in the 7-year removal date - where Equifax has not deleted this negative from my Equifax report after the end date of the 84th month - the date of XXXX in this case ( in contradiction with the facts I provided in my phone call to them on XXXX and via Faxed documents on the same date ). Apparently Equifax and XXXX did not verify the 7-year end-date to the XXXX late fee transaction posted ( on XXXX ) in the records of the original creditor for this debt - XXXX. 

2. XXXX is a debt purchaser. The original XXXX credit card for this debt ended in the acct # XXXX. 

3. The specific documentation of this XXXX late fee date ( of XXXX/XXXX/XXXX ) is attached to this complaint. All of the documentation for correcting this complaint error is described in a multi-page letter filed with this 2nd CFPB complaint. Also provided with that letter are a number of documents, including ( a ) the recent Complainant 's Equifax credit report page that includes this error, ( b ) copies of an Equifax Invalid Dispute reply that fails to correct their error, i.e., a reply that ignores the documentation I provided that irrefutably supports my corrections, and ( c ) copies of the creditor 's contemporaneous monthly statement postings of the XXXX late fees to prove and correct this error using the books of the company that incurred these charges - my employer. The attached letter also explains how these debts are all company debts and that none are personal ( non-business ) charges made by me ( This Complainant ). 




4. My lost income damages are also detailed in the attached letter. In summary, these damages are $ XXXX per week-day, as I am a victim of fraud and as such, My State law specifies treble damages. The damages resulting from the 7-year end date credit report errors began on XXXX/XXXX/XXXX in the case of this 2nd CFPB complaint involving the XXXX XXXX purchased XXXX credit card ending in # XXXX ( major negative ) still in my Equifax report after that date.

Company response to consumer: Closed with non-monetary relief