Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX. Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX. Remove extended fraud alert immediately and permanently XXXX. Hard Inquiries I have disputed and demanded for the deletion of the following inquiries. 
- XXXX XXXXXXXX bank delete this hard inquiry I did not authorize or accept any offer - XXXX XXXXXXXX delete this hard inquiry I did not authorize or accept any offer -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX. XXXX XXXX # # # # XXXX delete immediately Equifax is reporting this account as a charge of every month even after the account is closed. XXXX charge offs are reported on this XXXX account. This is discriminatory and deceptive. This is causing extreme grief and suffering as I am unable to obtain lending or funding due to the unlawful reporting of Equifax. No historical data or payment amount data is being reported, no late payments reported yet this account is charged off multiple times. Delete this immediately. Provide all historical data, all payments made from open to closure of account. Provide all late payment amounts and dates of late payment. Provide how this account was investigated, with original doceumentation. 

-- -- -- -- -- -- -- -- -- -- -- -- - XXXX. XXXX # # # # XXXX Why is this being reported negatively? This account was never in collection, there was never and is no balance owed on this account. This account has been misreported by Equifax to prevent me from obtaining lending or verifying accurate credit scores. I have disputed this account 6 times yet no comments state this account was disputed, nor did Equifax conduct a thorough investigation by directly communicating with the XXXX. I do not approve or permit the use of XXXX XXXX. If all payments and listed in the report it will show this account to be positive, What is the month day and year of the first delinquency? What is the month day and year of last activity or payment amount? delete this account immediately Provide all historical data, all payments made from open to closure of account. Provide all late payment amounts and dates of late payment. Provide how this account was investigated, with original doceumentation. 




XXXX. Delete and remove XXXX OF XXXX / XXXXXXXX - XXXX missing historical details see evidence below mark as disputed, this account is reporting incorrect information deferred payment is missing delete true scheduled monthly payment is missing in the entire payment history field XXXX. Delete and remove XXXX OF XXXX / XXXX - XXXX missing historical details see evidence below mark as disputed, this account is reporting incorrect information deferred payment is missing delete XXXX. XXXX # XXXX - What is the balance for the date of ___________ if you can not provide this amount delete account immediately XXXX. XXXX # XXXX - What is the balance for the date of ___________ if you can not provide this amount delete account immediately, Provide all historical data, all payments made from open to closure of account. Provide all late payment amounts and dates of late payment. Provide how this account was investigated, with original doceumentation. 
XXXX. XXXX # XXXX - What is the balance for the date of __Jan XXXX if you can not provide this amount delete account immediately XXXX. XXXX  # XXXX - What is the balance for the date of _Feb XXXX if you can not provide this amount delete account immediately XXXX. XXXX # XXXX - What is the balance for the date of ____March XXXX if you can not provide this amount delete account immediately XXXX. XXXX # XXXX - What is the balance for the date of XXXX XXXX if you can not provide this amount delete account immediately. Provide all historical data, all payments made from open to closure of account. Provide all late payment amounts and dates of late payment. Provide how this account was investigated, with original doceumentation.

Company response to consumer: Closed with explanation