Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
EQUIFAX This letter is to put you on notice to stop reporting INACCURATE INFORMATION & DISCREPANCIES on my credit report. By law the FCRA requires credit reporting agencies to report ONLY ACCURATE INFORMATION on the consumers credit report, if this information is found to be INACCURATE the credit reporting agency must remove it! U.S.C 15 1681i states that the credit reporting agency must, free of charge conduct a reasonable investigation to determine whether the disputed information is accurate and record the event..... This is very relevant and essential to this complaint/dispute because a " RE-INVESTIGATION " means you claim to have " INVESTIGATED " this dispute either twice or several times which leads me to this. YOUR INVESTIGATION & RE-INVESTIGATION were all INVALID, INACCURATE AND ERRONEOUS! On XX/XX/XXXX I asked for a complete and thorough investigation into ANY AND ALL INACCURACIES, DISCREPANCIES AND INCONSISTENCIES regarding the ( 2 ) following accounts -- - XXXX  XXXX XXXX account # XXXX and XXXX XXXX XXXX  account XXXX XXXX. On XX/XX/XXXX I asked for a RE-INVESTIGATION in which I received the same reply, that account was verified. WELL YES, YOU ARE REPORTING SOME VERIFIED INACCURACIES! These INACCURACIES & DISCREPANCIES have been on my credit report for the last 5 years. Attached are copies of your actual reports with some of the INACCURACIES AND DISCREPANCIES highlighted for your viewing pleasure. Clearly you see you have COMPROMISED the INTEGRITY of the entire * PAYMENT HISTORY * which OFFSETS the ACTUAL * PAYMENT HISTORY * for which I may add, the * PAYMENT HISTORY * is the very core of this issue. Highlighted are INACCURACIES AND DISCREPANCIES that the very * LEDGER * you provide disagrees with. Such as " DATE OF LAST PAYMENT " doesn't match date on * PAYMENT HISTORY *. Also you report my " LAST PAYMENT DATE '' of XX/XX/XXXX but your * PAYMENT HISTORY * Clearly already has me DELINQUENT FOR 60 DAYS, TWICE IN A ROW XX/XX/XXXX & XX/XX/XXXX for XXXX XXXX. You also report my 1st DELINQUENCY as XX/XX/XXXX but your * PAYMENT HISTORY * Clearly has a GREEN CHECK MARK, which from the * LEDGER * you provide indicates that PAYMENT WAS ON TIME! WHICH IS IT? DELINQUENT OR ON TIME? XXXX XXXX XXXX  XXXX and XX/XX/XXXX you report me DELINQUENT BOTH 30 DAYS IN A ROW. Also the same for XXXX and XX/XX/XXXX, both report 60 DAYS? DUPLICATE DELINQUENCIES ON BACK TO BACK MONTHS ARE OFFSETTING THE ACTUAL CALCULATIONS, THUS MAKING EVERY NUMBER THAT FOLLOWS A MISCALCULATION RENDERING ITS ACCURACY CHRONOLOGICALLY IMPOSSIBLE! Once again your ENTIRE * PAYMENT HISTORY * is COMPROMISED with the DUPLICATION OF DELINQUENT DATES, THE OFFSETTING OF NUMBERS AND CHRONOLOGICALLY IMPOSSIBLE FIGURES YOU REPORT! In conclusion my determination is that after an INVESTIGATION & RE-INVESTIGATING as you have responded, you have either INNOCENTLY failed to discover these INACCURACIES, DISCREPANCIES & INCONSISTENCIES that you have been reporting for the last ( 5 ) years OR you have chosen to engage in not only DECEPTIVE & MANIPULATE tactics but also ILLEGAL practices by attempting to RE-AGE these accounts which is an FCRA VIOLATION OF SECTION 623 ( 5 ) ( a ).

* KEYNOTE * LEDGER AND PAYMENT HISTORY DOES NOT MATCH INFORMATION YOU REPORT. REMOVE AND DELETE THESE ACCOUNTS! 
AN EXACT ( PAPER COPY ) OF THIS COMPLAINT/DISPUTE ALSO SENT DIRECTLY TO THIS CRA TODAY XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief