Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

I reviewed my Consumer Reports on XX/XX/XXXX and noticed that there was an inaccurate account on my credit report. On XX/XX/XXXX I sent a dispute to Equifax asking them to reinvestigate this account : XXXXXXXX XXXX  On XX/XX/XXXX they responded saying they verified the account. This was incorrect. 

According to 15 U.S.C. 1681 ( I ) they're supposed to update, modify or delete the account. 
According to 15 U.S.C. 1681eb they're supposed to insure Maximum Possible Accuracy. 
" A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSES TO BELIEVE THE INFORMATION IS INACCURATE. '' And according to 15 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In General If, after any reinvestigation under paragraph ( 1 ) 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. 

First of all, when viewing this account on Equifax, it is deeply flawed and inaccurate. Throughout the entire report, it is contradicted itself : According to Equifax the last payment was on XX/XX/XXXX. But on Equifax 's payment chart, it clearly shows there were actually two more payments after that ; one in XX/XX/XXXX, the second one on XX/XX/XXXX. Both can't be true. This is a blatant contradiction and inaccuracy. 

Not only is Equifax in blatant contradiction with itself, it is contradicting Consumer Reports from other Credit bureaus such as XXXX and XXXX : -The payment history does not match up with Equifax and the other Credit Bureaus . For instance, Equifax has me with a 97 % payment history while the other bureaus have me at 67 %. This is due to the inaccuracies of Equifax. Equifax Also has me making two more payments than the other bureaus have me making. This is due to the inaccuracies of EQUIFAX. 
-The Closing Date also is not aligned with the other 2 credit bureaus. While XXXX and XXXX have my closing date on XX/XX/XXXX, Equifax has it as XX/XX/XXXX. Though it is not too far off, if you are getting the information from the same furnishing source, there should be no discrepancies at all. EQUIFAX is at fault on this. 
-Equifax has my last payment date as XX/XX/XXXX, while the other bureaus have it as XX/XX/XXXX. This inaccuracy falls on EQUIFAX yet again. 
XXXX XXXX last reported date is on XX/XX/XXXX while the others are on XX/XX/XXXX. EQUIFAX is yet again at fault for this inaccuracy and discrepancy between the Credit Bureaus. 

So not only is EQUIFAX in direct contradiction within itself, it is directly contradicting the XXXX and XXXX. EQUIFAX is at fault here. The information contained in Equifax 's Credit Report in regards to this account is deeply flawed and inaccurate.