Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have tried multiple attempts to resolve this issue with the credit reporting agency and this account 's Furnisher ( XXXXXXXX XXXX ACCOUNT ending in XXXX ). they have failed to follow proper fcra requirements for investigating this account 's errors and violations of the fcra. each time, the investigation has resulted to be verified as accurate and a false statement that they are reporting 100 % full accuracy when they are aware of these errors and violations. 

furthermore, I am summiting evidence of how inaccuracy and errors still report on my current credit file as presented to the CRA 's and account 's furnisher. 

This account was closed during a national emergency pandemic by which I was highly affected, and, the furnished promised to report the account as closed by the grantor. at that point should discontinue payment history as it can not report activity on a closed account which violates the FCRA section 623 in regards to reporting delinquency and charge-offs while an account has been already closed. this is clearly a violation of the fcra. 

The Cra has also not conducted a thorough investigation on all my claims, I have contacted them over the phone and have been denied information, and also have falsely verified the account to be reported as accurate when it is not. 

This account has also violated the 120 days rule stated in the fcra section 623 regarding delinquencies reported during covid 19 national emergency and 120 after the national emergency to covid 19 is over to allow forbearance to those affected by covid 19 which I mentioned prior to I was impacted by the pandemic. 

The Cra investigation also had failed to express the authority in whether or not to accept the information received by the furnisher and lied when I tried to get information regarding the investigation and that they are not allowed to promptly remove the account or fix the issues and inaccuracies as it states in FCRA section 623 This account has failed to report 100 % accuracy to XXXX and Equifax. Attached I will have a copy of the report to support my complaint. 

Also, I will attach a letter sent from the furnisher regarding the closure of the account and how it will contact the cra 's to how it should report the account and about the closure of the account and I am sure they never contacted them. 

The cra 's as well as the furnisher have also been properly notified about these errors and inaccuracies and they still verify as accurate. the investigation has not been thoroughly done by nether party and this has been a burden to the integrity of my credit file. this has been humiliating that i had this account closed in good standing and yet had been allowed to commit these violations and errors by the furnisher and the cra 's allowing them to do so. this is clearly a violation to fcra section 623 and 15 usc 1681. 

For this reason, i ask for the CFPB 's help in resolving this issue and having the proper solution of prompt removal. 

Please find all evidence of XXXX reporting, Equifax reporting of this account under attached files ( evidence XXXX errors.pdf )