Consumer complaint received 2024-04-08 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: GA

Complaint narrative:
On XX/XX/2024 I submitted a CFPB claim in reference to inaccurate information being report per my XXXX and Equifax report. XXXX CLOSED An official website of the United States Government ( https : //www.consumerfinance.gov/ ) Start a new complaint All complaints (. ) STATUS Submitted to the CFPB on XX/XX/2024 PRODUCT Credit reporting or other personal consumer reports ISSUE Incorrect information on your report The removal of this account does not satisfy as remedy for the errors caused by Equifax and the furnisher. The account is a JOINT ACCOUNT with I, XXXX XXXX was the Primary Holder on the account. The Furnisher and the reporting agency have decided to completely remove the positive account instead of taking accountability for their actions. While the account is updated as paid as agreed and reflects a positively closed account on the co owners, XXXX XXXX 's credit report. I did not ask for a deletion of any positive accounts. I did however previously request as marked as paid on time as agreed, which they managed to do for the co owner of the account and not the primary holder of the account. This continuous battle has done nothing but cause more headache and issues over requesting what is owed to me. That is a correct updated marked as never late paid and completed credit reporting. Per 611 - 15 U.S.C. 1681i B ) UNDER Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the 611 - 15 U.S.C. 1681i 61 person who furnishes the information certifies that the information is complete and accurate. 
( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

Company response to consumer: Closed with explanation