Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MULTIPLE TIMES ( DISPUTE DATE XXXX AND XXXX ) AND IN THOSE DISPUTES I ASKED THAT THE ACCOUNT INFORMATION BE CORRECTED AND VALIDATED ON THIS ACCOUNT AND I EVEN DID A XXXX COMPLAINT ( DISPUTE DATE XXXX ) STATING THAT THE INFORMATION WAS INACCURATE. THE CREDIT BUREAU 'S EVENTUALLY UPDATED THEIR INFORMATION AND TO THIS DAY THE HIGH BALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, CLOSED DATE, LAST PAYMENT DATE, TERM LENGTH, ACCOUNT TYPE, PAYMENT FREQUENCY, AND LATE PAYMENT STATUS ARE COMPLETELY DIFFERENT ON EQUIFAX AND XXXX. THAT OBVIOUSLY MEANS THAT THE INFORMATION REPORTING IS INCORRECT!!!! IT GOES AS FAR TO SAY THAT THE TERMS ARE {$0.00} FOR MONTHLY PAYMENTS SO IF THAT IS TRUE, I WOULD OWE NO ONE ACCORDING TO THE INFORMATION ON THE CREDIT FILE. 
I DISPUTED THE ACCOUNT CALLED XXXX  ( Account Number : XXXX ) MULTIPLE TIMES ( DISPUTE DATE XXXX AND XXXX ) AND IN THOSE DISPUTES I ASKED THAT THE ACCOUNT INFORMATION BE CORRECTED AND VALIDATED ON THIS ACCOUNT AND I EVEN DID A XXXX COMPLAINT ( DISPUTE DATE XXXX ) STATING THAT THE INFORMATION WAS INACCURATE. THE CREDIT BUREAU 'S EVENTUALLY UPDATED THEIR INFORMATION AND TO THIS DAY THE HIGH BALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, CLOSED DATE, AND LAST PAYMENT DATE ARE COMPLETELY DIFFERENT ON EQUIFAX AND XXXX. THAT OBVIOUSLY MEANS THAT THE INFORMATION REPORTING IS INCORRECT!!!! IT GOES AS FAR TO SAY THAT THE TERMS ARE {$0.00} FOR MONTHLY PAYMENTS SO IF THAT IS TRUE, I WOULD OWE NO ONE ACCORDING TO THE INFORMATION ON THE CREDIT FILE. 

THIS IS CRAZY TO ME BECAUSE CREDIT REPORTING LAWS ENSURE THAT BUREAUS REPORT ONLY 100 % ACCURATE CREDIT REPORTING INFORMATION!!!! ALSO, IN THIS DISPUTE LETTER I TOLD THEM According to the fair credit reporting act, section 609 ( a ) ( 1 ) ( A ), You are required by federal law to verify through the physical verification of the original signed consumer contract of all accounts that get posted on my credit report. Otherwise, anyone paying for credit services could send in any fraudulent accounts! I demand to see verifiable proof ( in the original consumer contract with my signature on it ) you have on file of this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I also would like to see any documents used to record this account. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account. By publishing these unverified items on my credit report, you are in violation of the FCRA, and by distributing my credit report to third parties you are damaging my reputation and creditworthiness. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

IT REMAINS ON MY CREDIT REPORT AND I HAVE RECEIVED NO PROOF AT ALL!!! Lastly If, after any reinvestigation 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 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 reinvestigation.

Company response to consumer: Closed with explanation