Consumer complaint received 07-06-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I OWN this account, and do not dispute its ownership. Classification of this issue of anything else, is against all rules and then laws, that govern your compliance to react to a consumer inquiry, as Equifax has done 6 times in XX/XX/XXXX alone. 

This complaint/dispute is regarding the ACCOUNT INACCURACIES/STATUS. Please research its details in that manner. 

Attached are screen shots of both the current status and previous status of the XXXX XXXX ( XXXX ) account on file with Equifax. This account remains - INNACURATE and INCOMPLETE, and by law must be deleted. 

Please do not manually " update '' the record any further, in a Equifax decision to attempt to fix this record, as the attached history will reflect - and the existing CFBP complaint about this damaging activity will reflect - is destroying my credits scores/history single handily. 

The following issues still exists - with NO response from this agency on the issues brought forth in this complaint, and even with numerous phone calls and written disputes. have been provided. 

1. XXXX, is a CLOSED collection account. Please see the terms confirmed by XXXX,, in the attached letter from their Attorney 's. This account continues to remain OPEN, with no DATE CLOSED. Equifax, has failed to update the status of this account and include a DATE CLOSED value, and this account is inaccurate. 

2. This account is inserted into my credit record, as a Credit Grantor - and should not be, please see the attached sample Equifax report ( from Equifax 'd published and trusted website ) that displays how they are expected to report COLLECTIONS, in the COLLECTIONS segment of a credit report, and for ALL collections. Please see attached - Sample Credit Report - Equifax ( its own published document ) for this CRA 's standards for a credit report.insertion of a collection account3. Please also see the attached letter from XXXX 's attorney - asserting their reporting to this CRA as accurate, and also acknowledging it is incorrect - but, because they have not reported it since XX/XX/XXXX, disavowing any responsibility for its inaccuracy. That file is XXXX XXXX - XXXX XXXX. According to the XXXX and the XXXX, and the XXXX XXXX file specifications, COLLECTION accounts are forbidden to use or store, ACCT TYPE 's that are =XXXX -- Collection Agency/AttorneyXXXX -- Returned CheckXXXX -- XXXX ( includes Debt Purchasers ) This account lacks any of these dedicated Debt Collector values for their use only. 

Please see the attached XXXX layout specification, pulled from a search online. 
Please also see the attached - credit report history of this account, and the manual changes done solely by Equifax. 

5. Equifax has added a PAY HISTORY ( deleted, added, re - added ) AALLC has NOT reported any changes since XX/XX/XXXX, and a COLLECTION ACCOUNT is not allowed to store " Rate/Status '' of 120 days past due. This value is dedicated to XXXX XXXX, as per the XXXX, XXXX and the XXXX File specification standards. File Name XXXX - Past Due XXXX. 


6. AALLC - can not extend credit - and CAN NOT be a RETAIL credit grantor - please see the attached history for the data elements that are used, in direct contrast to published file and usage ( CDIA ) standards. 

This account is so INCORRECT, the attempt to manually manipulate data to make it look more accurate - is an epic failure on their side - as its damage to my history ( thanks to my Equifax monitoring tools ) are traceable and in view for all to see - and now part of the history of my attempts to simply make this report accurately. Because of all the manual changes, insertion of this record as a Credit TradeTLine, OPEN and not CLOSED, a history of 120 days past due - never paid as it remains a status of COLLECTION ACCOUNT - RETAIL ACCOUNT - with a Partial XXXX payment - Its damage is monumental and they know this. 

DELETE this Account.

Company response to consumer: Closed with explanation