Consumer complaint received 2024-07-18 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: NV

Complaint narrative:
I reached out to XXXX XXXX in regards to an item on my credit since 2014. I've contacted them numerous of times and also disputed this item on my credit multiple times in regards to its inaccurate and illegal reporting. Per 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ( c ) Running of reporting period. ( 1 ) In general : The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. This unlawfully being placed on my credit has caused me to lose out on Credit Card opportunities, denied for bank accounts, my credit score tanking, I haven't been able to get a car and the list goes on. I've provided them proof from THEIR website showing my vehicle was paid for so why is it still on my credit? They charged this vehicle off and inaccurately reported my payment history to all 3 bureaus. I have disputed this with all 3 bureaus with no resolution just more run arounds. I can provide my payment history showing I received a credit that covered the vehicles balance- their system shows it. They have been making my life a living XXXX for 10 years- that is way past 7 years as stated above. XXXX XXXX is taking advantage of its consumers and purposefully ruining credit worthiness because they get away with ignoring disputes and complaints. It is unlawful! I have attached my payment history- you will see the credits in " ( ) ''.

Company response to consumer: Closed with non-monetary relief