Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (IL)

I received a credit report from Equifax stating incorrect information on at least XXXX accounts regarding the Date of First Delinquency for which can remain on my report for 7 years. After disputing the information via certified mail, received by Equifax over 30 days ago, Equifax failed to notify me in any way ( though they had updated me during the investigation via email ) that their investigation was actually complete. I manually checked the status to see it was complete. The " investigation '' did n't result in a change of any kind. They never really conducted an investigation. Here is the information listed within my dispute : 1. XXXX XXXX According to Equifax 's credit report ( confirmation # XXXX ), XXXX XXXX reported this account as 30 days delinquent in XXXX of XXXX. XXXX XXXX also failed to report the months following ( XXXX, XXXX, and XXXX ), and reported 30 days delinquent again in XXXX though no payment had been made on this account, and it had been delinquent since XXXX XXXX. XXXX XXXX can not verify a payment had been received on this account ( verified by the account listed next by XXXX XXXX ) This information reported on my report is inaccurate, as Federal Law requires all creditors to report the original date of delinquency from which it can only remain on my credit report for 7 years. Please remove this item from my credit report as it is inaccurate, and the time for which it can remain on my report has expired. 

2. XXXX Acct : XXXX This account was not an original account, but is a debt account purchased from XXXX XXXX ( identical account to the account listed above ) and should be removed from my account for the specific reasons listed above. Even so, based on Equifax 's own report, this account shows a 120-day delinquency in XXXX XXXX. Again meaning the original delinquency occurred XXXX XXXX. Federal law requires the creditor to report the original delinquency date of the account from which it can remain on my credit report for a 7-year period. Please remove this item from my credit report as it is inaccurate, and the reporting of the original delinquency was XXXX XXXX, with the 7-year period for which it can remain on my credit report expired as of XXXX XXXX. 
3. XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX According to Equifax 's report ( confirmation # XXXX ), this same account is listed 3 times on my credit report. This information is inaccurate, as I only had XXXX loan account with the XXXX under my social security number of {$2600.00} + {$2600.00} + FEES for a total of {$6000.00}. This account was paid in full. Even so, based on the information provided in this very report, the first reported date of delinquency shows 60 days delinquent in XXXX XXXX. Federal law requires the creditor ( including the XXXX ) to report the original delinquency date of the account from which it can only remain on my credit report for a 7-year period. Please remove each of these items from my credit report as they are inaccurate, and the reporting of the original delinquency was XXXX XXXX for each account ; with the 7-year period for which it can remain on my credit report expired as of XXXX XXXX. 
In my dispute I submitted and circled Equifax 's own report, which clearly shows information within the report in support of my statements for each account with inaccurate information. A simple review of the documents would have easily cleared up the disputes. Equifax refuses to conduct a proper investigation, remove or update the inaccurate information.