I am sorry to ask for help again, I thought I could just live with it, I ca n't after checking my credit this morning. I attached a few items, the first page of my Equifax for my name reference, the pages XXXX thru XXXX referencing a XXXX account Equifax reported XXXX/XXXX/XXXX. Date of first delinquency XX/XX/XXXX. Lastly, I attached XXXX 's XXXX XXXX report reflecting the same XXXX account reflecting date of last payment XXXX XXXX. Ladies and gentlemen I can assure you no payments were after XX/XX/XXXX due to a job loss. What is more insulting to me and the CFPB is the XXXX response to the CFPB indicating their " actual '' investigation in XX/XX/XXXX was to delete the account. Line XXXX of the CFPB response attached & copy of the XXXX deletion. Equifax , just waits a few days and responds, they do n't actually call anyone. XXXX no longer had the records and could n't tell me either what the exact last date was so I know for a fact Equifax did n't check. The XXXX reporting on Equifax- same thing over 7.5 years since last payment, deleted after XXXX actually did the legwork