Consumer complaint received 2024-06-18 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: PA

Complaint narrative:
Good day! This is in reference to XXXX XXXX. After disputing ( and not agreeing with their findings/responses ) this account XXXX times with XXXX and Equifax ( this is now XXXX times with Equifax ) XXXX I received XXXXXXXX XXXX  conclusion of the matter on XX/XX/XXXX ( I will send in an attachment ). They also sent me the accurate information on this account they furnish to the credit agencies. In conclusion of the letter it states if there are any inaccuracies with my credit report to deal with that agency, putting the onus on you that you are misreporting the information and verifying false information as accurate. I received your conclusion as well and reviewed the updates you made to the account and the rest you're remaining as verified. Well sadly, my account still reports inaccurately and to make matters worse, you changed accurate and correct information and replaced it with false inaccurate information, making my ability to obtain credit WORST! I was denied this week for a loan and XXXX credit cards ( thankfully all pre approvals ), I couldn't understand why because I more than met the qualifications for them all. Comes back my Equifax report has me with a recent missed payment for last month. After checking my reports after the denials, you have my XXXX account reporting falsely and more damaging then before I started the dispute process with you. The Equifax XXXX report on XXXX has my account reporting as XXXX XXXX  to this very day, in active charge off status ( XX/XX/XXXX )! XXXX XXXX Equifax and XXXX Equifax has this account both reporting as LATE to this very day ( adding nearly XXXX years of latenesses to my credit )! I now have XXXX XXXX day lates, prior it was low single digits. Before my dispute this was not the case, you changed this with your reinvestigations and updates. This is a paid closed/charge off that was PAID off XX/XX/XXXX and was closed and charged off in XXXX! This fraudulent reporting literally has affected my ability to obtain credit and violated my consumer rights! On your website, my report also shows my payment history chart is all jacked up, it wasn't correct before but your updates absolutely destroyed it. It shows my account being charged off to this day as stated earlier and it shows I paid on time XXXX, XXXX and XX/XX/XXXX. If those on time payments those months are accurate ( which they are ), then how can u notate right below the payment history chart my first delinquency reported date is XX/XX/XXXX? This is seriously ludacris and contradicting information you are displaying lenders and such to see falsely and against my will! This is totally unacceptable! Also the payments I made are still not reflected and you have them notated as {$0.00}. XXXX confirms they furnished this information to you but it still has not been updated after multiple disputes. I understand mistakes happen and I appreciate you trying to rectify the situation but your making my inaccurate account even more inaccurate then before my opening dispute. You also have me going through all these disputes, you blamed the data reporting on XXXX, they deferred it to you as you are the one reporting this info continuously and falsified it further. 

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 furnishers of that information that the information has been modified or deleted from the file of the consumer. Please remove this account from my report, by this law a deletion is well overdue after your XXXX reinvestigations and STILL have not reported the information 100 % accurately, but you have made it worst following your completed investigations. Rectify my credit report and remove this account immediately. Thank you, have a good day!

Company response to consumer: Closed with explanation