Consumer complaint received 2025-05-05 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: VA

Complaint narrative:
I have investigated my Equifax credit report ( XXXX XXXX : XXXX, Date Created : XX/XX/XXXX ). 

My Equifax Credit Report is still showing inaccurate data, after my last complaint with Equifax Company. 
Under " 15 U.S. Code 1681e ( b ) 'Accuracy of Report ' '' essentially states that whenever a consumer reporting agency prepares a consumer report, they must follow reasonable procedures to ensure the maximum possible accuracy of the information included about the individual ; Purpose : To require credit reporting agencies ( CRAs ) to implement reasonable procedures to guarantee the accuracy of consumer reports they generate. 
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 furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Accurate reporting of the date of first delinquency is essential to ensure that consumers are not penalized with negative credit reporting for longer than the seven-year period allowed by the FCRA. 

Importance of Accuracy : The date of first delinquency is crucial because it dictates the seven-year window for negative information to remain on a credit report, according to the FCRA -- XXXX XXXX - XXXX XXXX XXXX XXXX XXXX PLEASE SEE PAGES XXXX, XXXX AND XXXX OF XXXX IN MY EQUIFAX CREDIT REPORT IN ATTACHMENTS ( File Number : XXXX, Date Created : XX/XX/XXXX ) WITH RED MARKS ON THE INACCURATE ITEMS FOR THIS XXXX XXXX ACCOUNT XXXX XXXX THIS XXXX XXXX ACCOUNT IS NOT SHOWING MAXIMUM POSSIBLE ACCURACY ACCORDING TO 15 USC 1681e ( b ), I DON'T RECOGNIZE THIS XXXX XXXX ACCOUNT NUMBER XXXX XXXX AS MY ACCOUNT. 
" PAYMENT HISTORY '' DATA, " DATE OF FIRST DELINQUENCY '' DATA ARE INACCURATE. 
DELETE THIS ITEM IMMEDIATELY FOR FCRA VIOLATION AND 15 USC 1681e ( b ). 

-- ITEM XXXX - XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX PLEASE SEE PAGES XXXX, XXXX AND XXXX OF XXXX IN MY EQUIFAX CREDIT REPORT IN ATTACHMENTS ( File Number : XXXX, Date Created : XX/XX/XXXX ) WITH RED MARKS ON THE INACCURATE ITEMS FOR THIS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
THIS ACCOUNT IS NOT SHOWING MAXIMUM POSSIBLE ACCURACY ACCORDING TO 15 USC 1681e ( b ), " ORIGINAL CREDITOR '' DATA : MISSING. 
" PAYMENT HISTORY '' DATA, " AVAILABLLE CREDIT '' DATA, " DATE OF FIRST DELINQUENCY '' DATA : ARE INACCURATE. PLEASE SEE XXXX XXXX XXXX XXXX XXXX  ) SUPPORTING DOCUMENTS IN ATTACHMENTS. 
THIS XXXX XXXX ACCOUNT WAS PAST DUE IN XXXX, IT WAS CLOSED IN XXXX BY XXXX XXXX  AND THIS ACCOUNT HAS NOT BROUGHT CURRENT IN XXXX. 
DELETE THIS ITEM IMMEDIATELY FOR FCRA VIOLATION AND 15 USC 1681e ( b ). 

-- ITEM XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX PLEASE SEE PAGES XXXX, XXXX AND XXXX OF XXXX IN MY EQUIFAX CREDIT REPORT IN ATTACHMENTS ( File Number : XXXX, Date Created : XX/XX/XXXX ) WITH RED MARKS ON THE INACCURATE ITEMS FOR THIS XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX. 
THIS XXXX  XXXX ACCOUNT IS NOT SHOWING MAXIMUM POSSIBLE ACCURACY ACCORDING TO 15 USC 1681e ( b ), " AVAILABLLE CREDIT '' DATA, " DATE OF FIRST DELINQUENCY '' DATA, 'DELIQUENCY FIRST REPORTED " DATA ARE INACCURATE. 
PLEASE SEE THE CORRECT DATE OF FIRST DELINQUENCY IN THE PAYMENT HISTORY REPORTING IN MY CREDIT REPORT PAGE XXXX OF XXXX. 
DELETE THIS ITEM IMMEDIATELY FOR FCRA VIOLATION AND 15 USC 1681e ( b ). 

-- ITEM XXXX XXXX XXXX  ACCOUNT XXXX XXXX PLEASE SEE PAGES XXXX AND XXXX OF XXXX IN MY EQUIFAX CREDIT REPORT IN ATTACHMENTS ( File Number : XXXX, Date Created : XX/XX/XXXX ) WITH RED MARKS ON THE INACCURATE ITEMS FOR THIS XXXX XXXX ACCOUNT XXXX XXXX. 
THIS XXXX XXXX  ACCOUNT IS NOT SHOWING MAXIMUM POSSIBLE ACCURACY ACCORDING TO 15 USC 1681e ( b ), " PAYMENT HISTORY '' DATA, " DATE OF FIRST DELINQUENCY '' DATA, " COMMENTS '' DATA ARE INACCURATE. 
PLEASE SEE XXXXSUPPORTING DOCUMENTS IN ATTACHMENTS. THIS XXXX XXXX  ACCOUNT WAS PAST DUE IN XXXX AND IT HAS NOT BROUGHT CURRENT IN XXXX. 
DELETE THIS ITEM IMMEDIATELY FOR FCRA VIOLATION 15 USC 1681e ( b ). 

-- ITEM XXXX XXXX - XXXX XXXX PLEASE SEE PAGES XXXX, XXXX AND XXXX OF XXXX IN MY EQUIFAX CREDIT REPORT IN ATTACHMENTS ( File Number : XXXX, Date Created : XX/XX/XXXX ) WITH RED MARKS ON THE INACCURATE ITEMS FOR THIS XXXX ACCOUNT XXXX XXXX. 
THIS XXXX ACCOUNT XXXX  XXXX IS NOT SHOWING MAXIMUM POSSIBLE ACCURACY ACCORDING TO 15 USC 1681e ( b ), " ACCOUNT NUMBER '', " ACTUAL PAYMENT AMOUNT '', " PAYMENT HISTORY '' DATA, " ACCOUNT TYPE '' DATA, " DELINQUENCY FIRST REPORTED '' DATA ARE INACCURATE. 
I DON'T RECOGNIZE THIS ACCOUNT XXXX XXXX XXXX AS MY OPEN ACCOUNT AND ACTUAL PAYMENT {$330.00}. 
DELETE THIS ITEM IMMEDIATELY FOR FCRA VIOLATION 15 USC 1681e ( b ).

Company response to consumer: Closed with non-monetary relief