Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: VA
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: Problem with personal statement of dispute

Complaint:
The Bureau encourages voluntary furnishing of information to consumer reporting agencies. Section 1022.42 of this part requires each furnisher to establish and implement reasonable written policies and procedures concerning the accuracy and integrity of the information it furnishes to consumer reporting agencies. Section 1022.42 ( c ) requires each furnisher to review its policies and procedures periodically and update them as necessary to ensure their continued effectiveness. 

I draw your attention to the following of the following : 12 CFR Appendix E to Part 1022 ( iii ) ( g ) ( g ) Furnishing information about consumers to consumer reporting agencies following mergers, portfolio acquisitions or sales, or other acquisitions or transfers of accounts or other obligations in a manner that prevents re-aging of information, duplicative reporting, or other problems that may similarly affect the accuracy or integrity of the information furnished.

I have made several attempts to use the CFPB to assist me in clearing this matter up. It seems that all my efforts for a a clear REINVESTIGATION went unmet. I requested that all parties reviewed the presented information. Several times in each complaint, I attached proper documentation to support my claim. I even mailed in physical copies of my supporting claims to all parties. I believe the only step left to take in legal consult. each one of the following sections details how and why my dispute is justified. These items list out with no means of deviation, how you are supposed to conduct yourselves in the matter of properly furnished information. On my consumer report, you have re-aged an account, which you did not prevent. The first date of delinquency has also been alter. According the my XXXX consumer report and the contradiction consumer report of XXXX. Deceivable information is being use to manipulate and tarnish my character and reputation. The U S DEPT OF EDXXXX is using AGED information to hinder my financial opportunities. The statue of limitations have already been reached from the first date of reporting which was XXXX & XXXX, they eventually sold or transferred the account to another department, which was XXXX, whom I also disputed with. Unfortunately, I reached out to both persons, and only one of them responded in expressed form. The U S DEPT OF EDXXXX has not responded to my supported claim. I know they have the records, because if they are going to furnish information, there needs to be a consistency in the relevance of what's reported. I have the proper documentation to support this fact which I presented in several of my complaints on this matter. The listed sections below are from 12 CFR Appendix E to Part 1022 - Appendix E to Part 1022Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies ; this is how they must conduct themselves as this applies to them. 

( h ) Deleting, updating, and correcting information in the furnisher 's records, as appropriate, to avoid furnishing inaccurate information. 

( i ) Conducting reasonable investigations of disputes. 

( j ) Designing technological and other means of communication with consumer reporting agencies to prevent duplicative reporting of accounts, erroneous association of information with the wrong consumer ( s ), and other occurrences that may compromise the accuracy or integrity of information provided to consumer reporting agencies. 


Also, I want to add that as of yesterday, The U S DEPT OF EDXXXX, again updated the information removing XXXX as a party to the accounts. This malicious agenda from this person is very very aggressive and egregious. I need them to remove to the accounts as the time period for reporting has come to an end. Each of the CRA continue to verify this account without providing any of the necessary contents from its REINVESTIGATION according to 15 USC 1681i ( 6 ) ( B ). I have many many questions. 
Attached is the initial letter I have repeated to send in and received no proper response for.

Company response to consumer: Closed with explanation