Consumer complaint received 2025-03-31 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: VA

Complaint narrative:
As soon I received the confirmation email from CFPB that my complain XXXX has been answered by the Equifax company , I did another investigation on my Equifax credit report ( Report Confirmation XXXX, XXXX, XXXX from XXXX website ), and I found several items on there that are still inaccurate or missing data in History Account that can modify the Date of First Delinquency. 

Under " 15 U.S. Code 1681e ( b ) 'Accuracy of Report ' '' essentially states that whenever a consumer reporting agency prepares a consumer report, they must follow reasonable procedures to ensure the maximum possible accuracy of the information included about the individual ; Purpose : To require credit reporting agencies ( CRAs ) to implement reasonable procedures to guarantee the accuracy of consumer reports they generate.

Under 15 U.S. Code 1681i ( 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove those 5 following items from my credit report immediately that are not in compliance with FCRA and U.S. Codes XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT : Missing Data ( XXXX and XXXX ) in Account History that can modify the Date of First Delinquency, and Inaccurate Data ( XXXX, XXXX, XXXX and XXXX ) : -In XXXX, the XXXX XXXX XXXX acquired XXXX XXXX credit card XXXX which could explain the missing data on my credit report for the years XXXX and XXXX on my XXXX XXXX XXXX XXXX account. 
-This XXXX XXXX XXXXXXXX account was opened in XXXX, and this account has been closed in XXXX ( XXXX ). This XXXX XXXX XXXX account was delinquent when it was closed. 
-This XXXX XXXXXXXX XXXX account XXXX showing missing payments in XXXX. The missed payments happened also in XXXX, when I was unemployed. Please remove the XXXX XXXXXXXX XXXX account from my credit report. 

ITEM XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT : Inaccurate Date of First Delinquency, and Inaccurate Data ( XXXX ) : -This XXXX XXXX XXXX XXXX account was opened in XXXX, and this account has been closed in XXXX. This XXXX XXXX XXXX XXXXXXXX account was delinquent when it was closed. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX account started showing missing payments in XXXX, and it became delinquent and was not brought current. Please remove the XXXX XXXX  XXXX account from my credit report. 

ITEM XXXX XXXX XXXX ACCOUNT : Missing Data ( XXXX ) in Account History that can modify the Date of First Delinquency : XXXX XXXX XXXX XXXX account was opened in XXXX, and this account has been closed in XXXX ( XXXX ). This XXXX XXXX XXXX account was delinquent when it was closed. 
XXXX XXXX XXXX XXXX account started showing missing payments in XXXX, when I was unemployed. Please remove the XXXX XXXX XXXX account from my credit report. 

ITEM XXXX XXXX XXXXXXXX ACCOUNT : Missing Data ( XXXX and XXXX ) in Account History that can modify the Date of First Delinquency- This XXXXXXXX XXXX XXXXXXXX account was opened in XXXX and this account was closed in XXXX ( XXXX ). 
XXXX XXXXXXXX XXXX XXXXXXXX account started showing missing payments on XXXX, when I was unemployed. Please remove the XXXX XXXX XXXXXXXX account from my credit report. 

ITEM XXXX XXXX ACCOUNT : Missing Data ( XXXX and XXXX ) in Account History that can modify the Date of First Delinquency, and Inaccurate Date ( XXXX and XXXX ) -This XXXX XXXX account was opened in XXXX, and this service has been suspended in XXXX, and the service was not reestablished. 
-This XXXX XXXX account started showing suspended service due to the missing payments in XXXX. The suspended service due to the missing payments happened also in XXXX, when I was unemployed. Please remove the XXXX XXXX Account from my credit report.

Company response to consumer: Closed with non-monetary relief