Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
Equifax has violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to investigate and resolve multiple disputes within the required 30-day timeframe. Despite providing detailed disputes and supporting documentation, Equifax has neither verified nor corrected these inaccurate accounts. This has resulted in harmful and inaccurate reporting on my credit profile. 

Specific Accounts and Violations : XXXX XXXX XXXX Account Error : Reported as a collection/charge-off with a status of " Paid '', but no verification of payment has been provided. 
Violation : FCRA 611 ( a ) ( 1 ) ( A ) : Failure to verify the accuracy of the paid status within 30 days.

FCRA 611 ( a ) ( 5 ) ( A ) : Failure to delete the account when verification was not completed in the required timeframe. 
XXXX  XXXX Account # XXXX Error : Reported as a collection/charge-off with a payment status of " Paid after charge-off '' and a {$0.00} balance. No verification of payment or settlement has been provided. 
Violation : FCRA 611 ( a ) ( 1 ) ( A ) : Failure to verify the accounts payment and settlement status.

FCRA 611 ( a ) ( 5 ) ( A ) : Failure to delete the account due to lack of verification within 30 days. 
XXXX  XXXX Account # XXXX Error : Reported as a collection/charge-off with a balance of {$580.00} and a last payment date of XX/XX/year>. The accuracy of this charge-off has not been verified. 
Violation : FCRA 611 ( a ) ( 1 ) ( A ) : Failure to verify the reported charge-off and payment status.

FCRA 611 ( a ) ( 5 ) ( A ) : Obligation to delete the account if verification can not be provided. 
XXXX Account # XXXX Error : Reported as a collection/charge-off with a balance of {$1600.00} and marked as disputed. No verification has been provided. 
Violation : FCRA 611 ( a ) ( 1 ) ( A ) : Failure to verify the disputed information within the legal timeframe.

FCRA 611 ( a ) ( 5 ) ( A ) : Failure to delete the account when verification was not supplied within 30 days. 
XXXX Account # XXXX Error : Duplicate listing of the previous XXXX account with the same balance of {$1600.00} and dispute status. No verification or resolution has been provided. 
Violation : FCRA 611 ( a ) ( 1 ) ( A ) : Failure to resolve the dispute and verify the account.

FCRA 611 ( a ) ( 5 ) ( A ) : Obligation to delete the duplicate and unverified account.

The Bureaus Account Error : Reported as a collection/charge-off with a balance of {$960.00}. No verification has been provided for the accuracy of this report.

Violation : FCRA 611 ( a ) ( 1 ) ( A ) : Failure to verify the charge-off status within 30 days.

FCRA 611 ( a ) ( 5 ) ( A ) : Failure to delete the account due to lack of verification.

Common Violations Across All Accounts : Failure to Verify Disputed Information within 30 Days Violation : FCRA 611 ( a ) ( 1 ) ( A ) requires Equifax to verify disputed items within 30 days. Equifax has failed to do so for all the above accounts.

Failure to Delete Unverified Accounts Violation : FCRA 611 ( a ) ( 5 ) ( A ) mandates that if items can not be verified within 30 days, they must be deleted. Equifax has continued to report these unverified accounts.

Inaccurate Reporting of Payment Status Violation : FCRA 607 ( b ) requires Equifax to maintain accurate information. The accounts are incorrectly marked as collections, charge-offs, or late, despite payments being made or accounts being settled. 
Resolution Sought : Immediate Deletion of all disputed accounts due to failure to verify within 30 days.

Correction of Payment Status to accurately reflect payments made on time and settled balances. 
Written Confirmation within 15 days that these deletions and corrections have been made. 
If Equifax does not comply, I am prepared to pursue legal action and file additional complaints with the Consumer Financial Protection Bureau and my states Attorney General.

Company response to consumer: Closed with non-monetary relief