Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
RE : Dispute dated XX/XX/XXXX CFPB XXXX XXXX XXXXXXXX Acct # XXXX XXXX & XXXX I disputed these two accounts in XX/XX/XXXX but did not receive dispute results. Equifax did respond to the CFPB. The CFPB response referred to the XXXX XXXX XXXXXXXX accounts without referencing the account number. So, I have no idea which account is being referenced when Equifax is describing its response. One of the XXXX XXXX XXXXXXXX accounts was verified as accurate. And the other account was said to no longer be appearing in my credit file. I would like a description of the investigation that verified the account as accurate. How did you verify the account status and payment history was accurate? In support of this dispute, I am attaching the payment agreement between myself and XXXX XXXX XXXXXXXX. Since I do not know which account was verified as accurate, I am attaching payment agreements for both accounts. These payment agreements can be verified with the courtsas they were entered into as part of court cases wherein XXXX XXXX  XXXX sued me on these accounts. 

As required by the payment agreement for Account XXXX, I made payments of {$340.00} each month from XX/XX/XXXX to about XX/XX/XXXX. None of my payments are reported in the payment history section. There is no indication whatsoever that over all these years I have been paying on this account pursuant to a payment agreement. And as required by the payment agreement for Account XXXX, I have been making monthly payments of {$75.00} each month from XX/XX/XXXX to now. None of those payments are showing up anywhere on my report. 

XXXX XXXX XXXX  I disputed this account in XX/XX/XXXX but did not receive dispute results. According to the CFPB, this account is no longer appearing in my credit file. 

XXXX XXXX XXXXXXXX According to Equifaxs CFPB response XXXX the wrong XXXX XXXX XXXX XXXX XXXXXXXX XXXX account was investigated. The account number for the account that I disputed is XXXX XXXX  I did not dispute XXXX XXXX 

XXXX XXXX I disputed this account in XX/XX/XXXX but did not receive dispute results. According to the CFPB, the current status and prior payment history was found to be correctly reported. It also states that the historical account information was updated. What and how was the information updated? And how did you determine the prior payment history was correct? Please provide me with a description of the investigation of this account. Also, there was no Date of First Delinquency being reported. Please add that date to the tradeline. The negative activity is old on this account and should be deleted soon. 

XXXX I disputed this account in XX/XX/XXXX but did not receive dispute results. According to the CFPB, the current status and payment history was found to be correctly reporting. Please provide me with a description of the investigation of this account. The tradeline lists two companies and I would like you to identify which company was contacted during the investigation. 

XXXX I disputed this account in XX/XX/XXXX but did not receive dispute results. According to the CFPB, the current status and payment history was found to be correctly reporting. Please provide me with a description of the investigation of this account. The tradeline lists two companies and I would like you to identify which company was contacted during the investigation.

Company response to consumer: Closed with non-monetary relief