Equifax responded to a Disputes for accounts that have been manually updated by them, and even when in the " Closed '' Status. The related dispute number is attached. 

I am the author of this dispute, and all information contained within it. 


XXXX, and in this requested EQ responded in the following manner -Equifax has reviewed the complaint and its records. Please be advised that once a Creditor has reported your account as closed, Equifax is unable to modify the activity designator field reporting on the Equifax Credit File. A copy of your Equifax Credit File has been sent for your review. Please allow 7/10 business days for delivery. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please contact us directly at ( XXXX ) XXXX. " When Equifax updated these accounts ( please see the update dates, and the date these items were disputed ), I assert that they deleted the pay history. 

It must be noted that EQ updated the XXXX XXXX Payment History - to include Pay History through XX/XX/XXXX, even though this account has been closed and not reported by XXXX XXXX, since XX/XX/XXXX. 

XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXXPlease note, that these accounts have been manually updated by EQ, at least 10 times. 

Online ... the pay history has been morphed to allow it to appear. Please see attached the XXXX Equifax Personal Solutions_ Credit Reports, Credit Scores , Protection Against Identity Theft and more.html pdf which shows the PAY history in the records. 

Then, the attached dispute results that show no pay history. Please see Equifax XXXX dispute results no Pay History.pdfBecause Pay Histories impact scores in such a harmful way, as the records are truly incomplete and use these data values to calculate Vantage and FICO scores, Equifax has the details to correct and complete the records in their systems as a whole - and not just in views, and must do so. 

This is not a request to delete the trade line, as they are positive. 

Instead it is a request for EQ to wholly correct its error in reporting in printed reports, that there is NO pay history for. 

XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ 300XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ 500XXXX/XXXXShow Details XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LOST OR STOLEN CARDXXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXX XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED