Consumer complaint received 2015-07-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( XXXX ) 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 reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

There are XXXX issues within this dispute. 
The XXXX is for XXXX which has tried to delete the record from XXXX - and has not been successful, their letter with instructions to do so, is attached. The XXXX is for XXXX, who has done the same - and because the record remains incomplete and inaccurate, the resulting dispute. 

I own this debt, and am the author and owner of such verbiage included in this complaint. 
Attached is a letter from XXXX, and then XXXX - that confirms their directive to delete this account. 


1. The XXXX account on file with Equifax, is and always has been incorrect as it was never an " OTHER '', " RETAIL '' " OPEN '' " COLLECTION STATUS '' that is & lt ; XXXX days, past due line of credit opened with XXXX. 
2. Equifax, has communicated that it has researched and communicated with XXXX, but had it actually communicated the same issue/dispute to XXXX, and followed through with an true " investigation '', knowing you/XXXX own and report this data, XXXX should have come back with the same delete instructions attached to this dispute. 
3. XXXX sent an electronic file to Equifax for deletion, but - I understand that XXXX has either blocked XXXX from updating it - or because the record is not accurately placed in the proper segment of XXXX system, can not be deleted by the file that XXXX has sent. 
4. ALL other CRA 's and by means of the file deletion request from XXXX, successfully deleted this record from their databases. 
5. Equifax, and for almost the XXXX time, and with supporting documentation that mandates you to do so - delete this record. 
6. XXXX is in the same state, and they have also sent a deletion to XXXX - to delete this recordXXXX.-1. XXXX is an incomplete record, and based on the FCRA - must be deleted2. I dispute the " Date Opened '', as there is no PAYMENT HISTORY to support the actual XXXX month Payment history this account must have, and lacking the PAYMENT HISTORY - the record is incomplete3. I dispute the " Date of Last Payment '', as there is no PAYMENT HISTORY to support the 81 month Payment history - this account must have and lacking the PAYMENT HISTORY - the record is incomplete4. I dispute the " Date Major Delinquency First Reported : '', as there is no PAYMENT HISTORY to support the 81 month Payment history - this account must have and lacking the PAYMENT HISTORY - the record is incomplete5. I dispute the " Date of First Delinquency '', as there is no PAYMENT HISTORY to support the 81 month Payment history - this account must have and lacking the PAYMENT HISTORY - the record is incomplete6. I dispute the " Date of First Delinquency '', as there is no PAYMENT HISTORY to support the 81 month Payment history - this account must have and lacking the PAYMENT HISTORY - the record is incomplete7. 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. 
8. I dispute the PAY STATUS/RATE as being inaccurate because this account is not, nor was it ever in a PAST DUE state, it is inaccurate,

Company response to consumer: Closed with non-monetary relief