Equifax Credit Reporting Complaint

Equifax Credit reporting department,

Credit reporting company's investigation Investigation took too long Michigan

This should settle the issue anout the sole credit card on my credit report, by Equifax. Notice the key words " up to - years '' : " - - - You are here : Finance Blog Home - Credit - FAQ : How Long Does Information Stay on My Credit Report? Stay financially savvy with the Equifax Advisor. Sign up for our FREE Monthly Email Newsletter FAQ : How Long Does Information Stay on My Credit Report?


By - - In our regular surveys of consumers who come to the Equifax website and who call our call centers, this is by far the most asked question. It 's understandable, given how credit is so important to someone 's personal finances. Mostly, consumers who ask this question are concerned about how negative information like bankruptcies, judgments, and late payments affects their credit history and score. Luckily, there are set time frames for how long negative information remains on a credit report. In general, negative information more than seven years old from the date of last activity ( ten years for bankruptcies ) must be removed from your file. When it comes to a credit history and score, consumers often mistakenly believe that any negative information in their credit report comes from the credit reporting agency. In fact, all information, both positive and negative, is reported to the - nationwide credit reporting agencies by lenders who have granted you credit, is included in public record information, or is reported by collection agencies. Credit reporting agencies compile this information and lists it in your credit report. Here 's a rundown of how long certain types of credit information will remain on your credit history : Credit Accounts Accounts paid as agreed generally remain on your credit file for up to ten years from the date of last activity ( DLA ) .... '' So this is simple. In -/-/-, there is zero reason for any reporting on the - - - account that was never owned by that bank at any time ; was closed - - by me and closed by me ; had no activity since ; had no payments or balance since the ten-year benchmark. This is fraud and wrong and should never been put onto my credit report. After investigation and reinvestigation the date itself - -/-/- - obviously not to be reported whatsoever. There is no purpose for it. Moreover, if there was any " activity '' - - - told me they did not furnish it. Someone else did? Who? When? What? How?