Consumer complaint received 2019-10-15
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 am writing to you for the 4th time. Ive spoken to your company twice and this is my second complaint with the Consumer Financial Protection Bureau this year. Again, there are 4 items that appear on my credit report that are inaccurate, should not be on my report, and I have disputed them over and over. Why are you refusing to acknowledge that these 4 accounts are not accurate and must be removed? Over the past 3 years, I have disputed these accounts on other occasions as well, in addition to the 4 times I mentioned, I have been told that you verified these accounts, when I can clearly see you have not.The credit reports do not reflect this, and I have said over and over, do not make changes to the accounts. At this point they make no sense. They are only being changed over and over in an attempt to keep them on my credit report. The reports now show that these accounts have not been updated in years, but drastic changes have been made over and over to each account. Making the account positive is not what I am disputing. They should not be there at all, and must be removed from my credit report. 

They are : 1 ) XXXX XXXX scheduled to be removed from all 3 bureaus in XX/XX/XXXX, so there is no way you are verifying this.This has been removed from the other 2 bureaus. The report shows not late 30/60/90 days as well as not current. How can this be? The account status can not be current and closed and not current at the same time. For over 3 years, instead of removing them from my report, because they are indeed inaccurate, you continue to make changes to the account. This account has not been verified and has not been updated by the creditor in years. We know this is inaccurate. 
2 ) XXXX-Shows closed, {$500.00} limit and no other information. For over 3 years, instead of removing them from my report, because they are indeed inaccurate, you continue to make changes to the account.This account has not been verified and has not been updated by the creditor in years according to this current report. We know this is inaccurate. 
3 ) XXXX XXXX XXXX-Is currently listed as a loan and is clearly not a loan. The account also shows it has not been reported in years, which couldnt be, because changes are made to the account each time I dispute them. It is currently showing that a re-investigation is in progress, which is not accurate either and shows no data provided. For over 3 years, instead of removing them from my report, because they are indeed inaccurate, you continue to make changes to the account.This account has not been verified and has not been updated by the creditor in years according to this current report. We know this is inaccurate. 
4 ) Bankruptcy that shows no information, so you couldnt have verified this either. 

According to the Fair Credit Reporting Act, you must provide me with the method of verification and you have not done that on any of these accounts in the 3 years I have disputed them. You have basically ignored me. Because you have not verified these accounts or provided the method of verification, YOU MUST REMOVE THESE 4 ITEMS FROM MY CREDIT REPORT IMMEDIATELY. This will be the 4th time I have asked you to do so this year. You are violating my rights, by not complying or completing a proper investigation and you can be fined for violations of the Fair Credit Reporting Act. You have failed to abide by my requests to dispute these 4 items and do a proper investigation, so YOU MUST REMOVE THESE 4 ITEMS FROM MY CREDIT REPORT IMMEDIATELY. You have never shown me the original instrument of indebtedness from the original furnisher, nor have you told me where you are receiving this information from. Ive received no contact name, address or phone number of who has verified/investigated this information. How is it that the other 2 Bureaus removed these items from my credit report months ago and you magically verify these creditors over and over, according to you, without proof of anything. 

Third party verifications ( XXXX  XXXX ) are not acceptable, according to the Fair Credit Reporting Act. It must be from the original creditor and XXXX is not acceptable either. Doing investigations through the XXXX System is not 100 % accurate, and is not considered acceptable due-diligence. Also, please do not send me a letter, as you have in the past, asking me to contact the creditor or pretending you need more information to verify who I am, because you've done that before as well. If the creditor has to ask me for my information, and they have, then that is not verified as you've stated. It would be in their system if the debt was verified. You are the one that is benefiting from this debt by placing it on my credit report and according to the Fair Credit Reporting Act, you are the company that has to remove it. Also, do not make changes to my credit report in any way, which includes dates, amounts, balances, etc. ), as you have done in the past, that proves nothing. Changing the creditor information is not proof either, nor is a monthly statement from the company that they create, claiming it belongs to me. 

I am also inquiring about my credit score. I pay all of my accounts on time, and there are no late payments. I have financed cars and received a credit card and I even paid one of the cars off in the amount of over {$27000.00}. My score has not changed yet. It has gone up 3 or 4 points and then it drops drastically. This has gone on for well over a year now and now I am down again. I have asked you to look into my score and all Ive received is excuses. I would like to know why my score has not gone up? Please don't say you have nothing to do with it because you do. 
I look forward to hearing from you and having each of my concerns addressed and resolved.

Company response to consumer: Closed with explanation