Consumer complaint received 2024-02-15 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:
I have repeatedly disputed these same accounts with EQUIFAX with no resolve since XXXX requested in writing an investigation into XXXX accounts reporting to my credit report inaccurately with XXXX XXXX and XXXX XXXX XXXX.The response to my disputes was " account verified '' " account updated '' .My next dispute was a " method of verification '' that I requested asking what method was used to validate said accounts.I never received it.Iv'e sent EQUIFAX a plethora of letters requesting to update/correct my credit report due to inaccuracies to no avail. EQUIFAX to date has not conducted a reasonable investigation as required by law or deleted/corrected inaccurate information on my credit report after 30 days.In accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy,15 USC 1681 ( section 604 ) It also states a consumer reporting can not furnish an account without my written instructions .When did I give them permission? When did they give me the option to opt out? Under 15 USCs1666b 15 USC1681 ( 2 ) ( a ) ( 1 ) Exclusions ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposefulness the creditor has adopted reasonable procedures designed to ensure that each periodic statement including information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in erroneous designation as late-a sign of an invoicing error. ( i ) Reports containing information solely as a transaction or experiences between the consumer and the person making the report are excluded.In reference to XXXX XXXX charge off this account was never accurately investigated either, yet continues to update as a charge off.According to the IRS publication, a charge off is debt forgiveness and considered ordinary income.Income is not reported to a consumer 's credit report, Therefore the charge off should be deleted immediately.15 USC 1681e-Compliance procedures states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.Reporting a charge off updating each month isn't accuracy.Mismatch dates, Dates last active, Date of last payment, high credit amount, and last reported are all inaccurate so how does that reflect accuracy of a credit report? I have attached multiple dispute letters with certified mail and return receipt proving EQUIFAX is in willful violation of FCRA laws.

Company response to consumer: Closed with non-monetary relief