Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Hello. I am contacting the CFPB today regarding incorrect information on my credit report. 

I was hoping to get someone to take a closer look for me after providing specifics. I have attached screenshots ( will be referred to as Fig. 1,2,3, etc. going forward ) that point out the incorrect information for each account. 

On XX/XX/XXXX, I contacted the CFPB regarding the Equifax consumer reporting agency and the fraudulent information being reported to my credit report. They responded saying everything is verified EVERY time I dispute. All investigations with Equifax have not even lasted 4 days ( excluding the most recent CFPB disputes on XX/XX/XXXX ), and I have attached screenshots showing the length of time between dispute start and end dates. They are not doing their due diligence and continue to verify an account without ACTUALLY verifying anything. After numerous times providing XXXX evidence proving my case of identity theft and Equifax continuing to ignore me, Ill detail negligent discrepancies in each of the same accounts that legally ( FRCA ) require Equifax to remove. 

After extensive research on the best steps to take, I am filing this CFPB complaint to request that Equifax, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), block the fraudulent AND inaccurate information on my credit report resulting from identity theft and negligence from the reporting agency. This action must be completed within 4 business days of receiving this complaint, as required by the law. 

XXXX XXXX - Acct # : XXXX ( XXXX ) This account is fraudulent most importantly. 
Equifax is the only bureau reporting this XXXX XXXX account. 
There is no data, for payment status reported for XX/XX/XXXX. 
The date last active hasnt been updated since XX/XX/XXXX, but the account has a payment history beyond that. 
Being Late 90 days does not align with the information reported in the payment history ; it clearly says OK following XX/XX/XXXX. 
How is the date of last payment reported as XX/XX/XXXX, but it is also reported as 30 days late in XXXX within the payment history? 
As of today ( XX/XX/XXXX ), Equifax also hasnt bothered to update this account since XX/XX/XXXX. 


XXXX - Acct # : XXXX ( Fig. XXXX ) This account is fraudulent most importantly. 
Equifax is ( again ) the only bureau reporting this account. 
The date last active hasnt been updated since XX/XX/XXXX, but the account has a payment history beyond that. 
How is the date of last payment reported as XX/XX/XXXX, but it is also reported as 30 days late in XXXX within the payment history? 
There is no data, for payment status reported for XX/XX/XXXX. 

XXXX XXXX XXXXXXXX - Acct # : XXXX ( Fig. XXXX ) This account is fraudulent most importantly. 

Account Status - Equifax reports Derogatory - XXXX reports Paid Date Opened Equifax reports XX/XX/XXXX XXXX reports XX/XX/XXXX XXXX XXXX XXXX Equifax reports {$0.00} - XXXX reports {$3000.00} XXXX XXXX XXXX Equifax reports {$1900.00} - XXXX reports {$0.00} Last reported - Equifax reports XX/XX/XXXX - XXXX reports XX/XX/XXXX Date Last Active - Equifax reports XX/XX/XXXX - XXXX reports XX/XX/XXXX Date of Last Payment - Equifax reports XX/XX/XXXX - XXXX reports XX/XX/XXXX Equifax also has no data for XX/XX/XXXX in the payment history. They also failed to report a 60 Days Late while skipping from 30 days to 90 days. Equifax also reported this account 120 days late, 2 months in a row ; that is not physically possible if another 30 days have passed between XX/XX/XXXX and XX/XX/XXXX. 



On top of these accounts being fraudulent ( and it was reported to Equifax as such ) there are many discrepancies. Due to the malicious actions of a former roommate, I am now left dealing with the impact of his fraudulent activities, and the negligence of the credit bureaus. I have included a copy of the FTC Identity Theft Criminal Complaint ( # XXXX ), along with several FTC Affidavits previously submitted to Equifax, as evidence from the U.S. Federal Trade Commission confirming that these accounts are the result of identity theft and fraud. Equifax is violating so MANY of my rights as a consumer by allowing these discrepancies/fraudulent accounts to continue to report. If they will not do their job to report ACCURATELY, then do your job by REMOVING these accounts. STOP calling them frivolous disputes and take my dispute seriously. Legitimately review information instead of somehow finishing disputes within 24 hours. IT's IMPOSSIBLE TO HAVE IT DONE CORRECTLY AND EFFECTIVELY IN 24 HOURS. I am doing my part as a consumer and providing ALL the information necessary, yet Equifax is going OUT OF THEIR WAY to make my life hard.

Company response to consumer: Closed with non-monetary relief