Consumer complaint received 2025-05-27 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: ME

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnConsumer Financial Protection Bureau\nFederal Trade Commission\nSubject: Credit Dispute/Permanent Removal\nDear Sir/Madam, \nI am writing to dispute several inaccurate items on my credit report. I have attached a copy of my credit report with the disputed items circled for your convenience.  I am requesting that this information be removed from my credit report.\nSpecifically, I dispute the following: \n\tXXXX XXXX XXXXThis account is reported with an incorrect first date of delinquency report date. However, I have made all payments on time. I'm sharing copies of my payment records here to verify this and to verify that the actual first date of delinquency is XXXX XXXX and not XXXX XXXX, the creditor, XXXX XXXX XXXX, hereinafter, XXXX  is reporting an inaccurate delinquency by re-aging inaccurately the first date of delinquency on my consumer account to a later date violating FCRA 623(a) (5) (A).  This rule states, \nIf you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the creditor. If the creditor didnt report the date of delinquency, you, the creditor XXXX), have two options: \n1.\tYou may establish and follow reasonable procedures to determine the date from the original creditor or another reliable source, or \n2.\tIf you cant determine the date, you may establish and follow reasonable procedures to ensure that the reported date of delinquency is a date before the account was referred to collection or charged off. FCRA 623 (a) (5) (B). \nFor example, XXXX XXXX the account holder, became delinquent in XXXX XXXX The creditor places the account for collection in XXXX XXXX (PDM-Billing Statement Attached). The date that the creditor placed the account for collection is not the basis for calculating the delinquency date. The collection date is calculated based on the consumers delinquency date (XXXX XXXX XXXX Payment ledger attached), not the creditor's later actions. \nAdditionally, if a CRA has been notified that I, the consumer, dispute information that you, PDM, provide, they must: \nEquifax\tDate\tConfirmation #\tTransunion\tDate\tEst. Completion\n\t1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInvestigate the dispute and review all relevant information provided by the CRA about the dispute.\n2.\tReport their findings to the CRA.\n3.\tProvide corrected information to every CRA that receives the information if your investigation shows the information is incomplete or inaccurate; and \n4.\tModify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. (FCRA 623 (b) (1)\nIf you do not comply with the FCRA, you may be sued by the FTC, Consumer Financial Protection Bureau (CFPB), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of XXXX  per violation in the case of lawsuits by the FTC. FCRA 616, 617, 621\nLast, I verified the removal of XXXXs collection account wXXXX on or about XXXX XXXX XXXX XXXX XXXX w/my agent XXXX  and it was brought to my attention that although information was limited. She was able to determine that the last reporting date for XXXX regarding the XXXX XXXX XXXX, was XXXX XXXX XXXX, and it was later deleted by the creditor XXXX), not by XXXX, and that the same needed to be executed w/both Transunion and Equifax, respectively, to reflect the same reporting data.\n I respectfully request that this information be removed from my credit report. If you do not comply with the FCRA, you may be sued by the FTC, Consumer Financial Protection Bureau (CFPB), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of XXXX per violation in the case of lawsuits by the FTC. FCRA 616, 617, 621\n\nSincerely,\n\n\nXXXX XXXX Smith\n\nDocuments\nAlta XXXX XXXX XXXX (Reference Pages 10 and 11)\nWrit of Eviction\nXXXX XXXX XXXX Invoice Debt Letter\nTransunion Credit ReportXXXX Credit Report\nEquifax Credit Report\nCFPB Dispute Report Date\nXXXX Dispute Report Date"

Company response to consumer: Closed with explanation