Consumer complaint received 2024-11-16 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: CA

Complaint narrative:
This letter is in response to your recent claim that Equifax : [ XXXX, XXXX ] [ Account number : XXXX ] has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
This account was CHARGE OFF on the following date [ XXXX, XXXX ]. Since then, the account has repeatedly been updated as Charge-Off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account immediately : Equifax : [ XXXX, XXXX ] [ Account number : XXXX ] This account was paid in full on time on XX/XX/XXXX and i will attach evidence of that, after that on XX/XX/XXXX this Company [ XXXX, XXXX ] cancelled the payments that i've made on this account incorrectly with bad faith, the money of these payments never was refunded to me, the payments were done correctly, but they took the money from me anyway with no refund. My financial situation was affected by XXXX XXXX, however, i've receive a letter from them asking me if i make an additional pay for {$790.00} this account will be settled with Balance {$0.00} and the incorrect information will be deleted, therefore, i made a payment of XXXX $ in good will with good faith on XX/XX/XXXX ( I will attach the payment evidence ), after pay the amount of {$790.00} on this account as they requested, the account never was settled to balance {$0.00} and the inaccuracies never was removed as they promise in the settlement letter and phone calls several times ( I will attach the settlement letter as evidence ), which this negative account is still continue affecting and hurting my Credit Score and Credit Report every month with false and incorrect information violating my rights as a consumer with these inaccuracies made on purpose with bad faith by XXXX, XXXX. 
I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by [ XXXX, XXXX ] [ Account number : XXXX ] substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

According to FCRA 611 ( 15 U.S.C. 1681I ) ( PROCEDURE IN CASE OF DISPUTED ACCURACY ) they are suppose to do this : ( 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 ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
In my case as a consumer, my redit report has to be 100 % accurate. Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act 611 ( a ) ( 7 ), i'm going to file a Small Claims lawsuit against you if you do not Delete and Remove this account from my Credit Report for Violations of the Fair Credit Reporting Act - including but not limited to Section 611.

Company response to consumer: Closed with explanation