Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Since XXXX of XXXX XXXX  XXXX XXXX has been reporting incorrectly the month of 1st delinquency on account XXXX to EQUIFAX and still remains as of XXXX. It continues to be reported as XX/XX/XXXX when in fact it was delinquent in XX/XX/XXXX. The account is too old to be reported and was deleted from XXXX and XXXX in XXXX XXXX as it should be as it is beyond the 7 years from 1st delinquency.. 

I have caused disputed with Equifax XXXX, XXXX and the latest XXXX on XXXX XXXX. Every dispute has come back stating that XXXX  XXXX XXXX has investigated and verifies XX/XX/XXXX is correctly being reported. 

After many calls to XXXX  XXXX XXXX speaking with XXXX XXXX and XXXX XXXX, XXXX and XXXX XXXX in the months of XXXX and XX/XX/XXXX, it was evident that they were disagreeing with the information being reported to Equifax as of XX/XX/XXXX. 

I was told in XXXX to write a letter to XXXX XXXX XX/XX/XXXX by XXXX XXXX to request proof be provided showing when the last receipt of payment had been received by XXXX  XXXX XXXX. The letter was received on XX/XX/XXXX that once again all the information being reported to Equifax was in fact correct. Once again, the issue of 1st delinquency of XX/XX/XXXX was never addressed. 

I then began calling XXXX  XXXX XXXX again in XXXX and finally got a hold of XXXX XXXX in the Recovery Department during a lengthy telephone conversation he was able to pull up from their database my Statement from XXXX XXXX XXXX the account was actually delinquent in XX/XX/XXXX. 
I was charged a late fee for XX/XX/XXXX for being late. I asked if he would get me a copy of this statement so I could show to Equifax which would show account XXXX needed to be deleted from my credit report as its is now beyond the 7 years from the date of being 1st delinquent. He agreed to that and then on XX/XX/XXXX I received a letter from XXXX  XXXX XXXX once again reporting the information was going to take about 60 days to show they account was going to continue being reported the same way. 

On XXXX XXXX I received the XXXX  XXXX XXXX XXXX for the period of XX/XX/XXXX -XXXX  XXXX, XXXX proving that the information that has been disputed all these years being verified and closed on each dispute between XXXX  XXXX XXXX and the Equifax had been fraudulently reported and verified they had investigated the dispute and verified XX/XX/XXXX was in fact accurate which it clearly was not by the proof of the statement referred to. 

FCRA 623 ( a ) 5A clearly defines when the date of the 1st ddelinquency begins and that is what is to provided to the Bureaus to whom ever they report to. 

In summary, XXXX  XXXX XXXX has been in reporting inaccurate information, withholding information for years preventing me from proving their false reporting, lying and refusing to Stop reporting account ending in XXXX when it had reached and has exceeded the 7year period. 

I have all the letters, dates documents which have been provided to both XXXX  XXXX XXXX and Equifax. It was on XXXX XXXX during my opening a new dispute to provide the supporting XXXX  XXXX XXXX documents to Equifax that it was suggested I file this report with the FTC then send call back open a new dispute and upload all the facts and documents in order to prove that the account should be removed due being too old to report. 

XXXX XXXX.

Company response to consumer: Closed with explanation