Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: MO
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:
I am writing to you with extreme frustration and concern regarding the persistent presence of late, closed, and charge-off accounts on my credit report. I have made several attempts to dispute these items, yet they remain on my credit file, severely impacting my financial well-being and opportunities. I demand immediate action to rectify this situation. 

I first initiated this dispute, and it has been an ongoing struggle for a months without resolution. Despite providing substantial evidence to support my claims and numerous follow-ups, I have not seen any significant progress in resolving this issue. 

These inaccuracies on my credit report are causing substantial harm to my financial life. They have significantly lowered my credit score, thereby limiting my ability to access loans, mortgages, and other financial services. It is my right as a consumer to have an accurate and fair representation of my credit history. 

I insist that you treat this matter with the utmost seriousness and urgency. I am experiencing ongoing difficulties due to these inaccuracies, and it is essential that you promptly take action to correct the situation. I request the following : Immediate, thorough, and unbiased investigation of the late, closed, and charge-off accounts in question. 
Regular updates on the progress of the investigation. 
Prompt removal of any inaccurate or unverifiable information from my credit report. 
A formal, written explanation of the results of the investigation. 
I trust that you will address this issue promptly and effectively. Failure to do so may lead to legal action to protect my rights as a consumer.

Enclosed with this letter, you will find copies of the evidence I previously submitted during my dispute attempts. Please acknowledge the receipt of this complaint within 15 days and inform me of the steps being taken to resolve this matter. I am asking for your immediate assistance to remove the late closed and charge off accounts in my credit file : XXXX XXXX XXXX Balance : {$0.00} This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file. 

XXXX XXXX XXXX : {$810.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX : {$11000.00} - You are reporting inaccurate information for this particular account. A charge-off account should show XXXX balance. Remove the balance indicated, change it to XXXX  and delete this account promptly. 

XXXX XXXX XXXX XXXX : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately.

Company response to consumer: Closed with non-monetary relief