Consumer complaint received 2024-05-18 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:
I have submitted no less than XXXX inquiries including a verification request, reinvestigation request, and dispute of the inaccuracy and incompleteness of the reported details of the file for XXXX XXXX - Acct # XXXX. None of the inquiries have resolved this reporting detail as being accurate and complete. The details remain inaccurate and incomplete. I have requested for written proof of the account details reported and I have not received written proof as of XX/XX/XXXX. Furthermore I have requested a description of how the investigation and reinvestigations were completed and to include the contact information of the party ( s ) that provided the verification details of the account, such as company name ( s ) and contact person name ( s ) and phone number ( s ). None of this information has been provided to me and the request for this information has not been addressed by Equifax. 

Equifax Responses regarding XXXX  XXXX reporting : Confirmation # 's XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) Specifically, I submitted a dispute on XX/XX/XXXX through equifax.com, Confirmation number : XXXX. On XX/XX/XXXX the results of the investigation were provided. 

After I reviewed the results, the response and changes that were updated, I requested a reinvestigation on XX/XX/XXXX through the Consumer Financial Protection Bureau online and I also requested a reinvestigation through a XXXX XXXX letter mailed with tracking # XXXX. I requested this re-investigation because the information reporting to Equifax supposedly by XXXX XXXX is incomplete and inaccurate. Furthermore, this information being reported remains inaccurate and/or incomplete after there was supposedly a minimum of XXXX investigations. 

The most recent CFPB Complaint # XXXX which is the Equifax Confirmation XXXX XXXX I submitted on XX/XX/XXXX. I received a letter of response dated XX/XX/XXXX. Again, NONE of the previously requested proof or contact information of the proof has been provided. The reported details have NOT been updated to be complete and accurate. 

Therefore the conclusion can only be assumed the results of the original investigation and the re-investigation are false. They have reported false information and Equifax has lied because the details that are reported on my credit report for the account in question are not accurate and are incomplete. XXXX of the many inaccuracies is that the account was charged off on the following date, XX/XX/XXXX. However, every month between XX/XX/XXXX and XX/XX/XXXX the account has been repeatedly updated as charged off EACH and EVERY month. This is an update in the payment history. A charged off account should NOT include an active payment history when there is no payment received. Furthermore the account can't be charged off more than once when there hasn't been any payments reported after the original 'charge off " in XX/XX/XXXX. This inaccurate information falsely manipulates the statute of limitations. 

Another item of the multiple inaccuracies is that a XXXX ' account can NOT have a credit limit. This is falsely reporting towards the total " Credit Utilization '' included to calculate my XXXX score. This inaccurate information falsely manipulates an inaccurate credit score which furthermore negatively impacts me financially and is falsely impacting my reputation. This is a violation of my legal rights. Equifax failed to investigate the account properly and Equifax 's neglect has violated my rights continually with each letter of response. 

Additionally, the 'Date of XXXX Major Delinquency XXXX Reported ' can't be in XXXX when the account was 'written off ' in XXXX and no further activity has been reported after the original 'Write off '. 

I request that this account be immediately deleted because of the consistent false claims of reinvestigation which have consistently violated my rights month after month. The inaccurate and incomplete details have been reported for more than 5 years, month after month and are violating my rights. 

XXXX XXXX - Acct # XXXX I request an updated credit report be mailed to my address shown on proof of identity. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation