Consumer complaint received 2023-12-18
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 formally complain about the multiple unsuccessful attempts to remove late closed and charged-off items from my credit report. I believe that the information currently reflected in my credit history inaccurately represents my financial history, and despite my persistent efforts, these discrepancies have not been rectified. 

I submitted disputes through your online dispute resolution system, providing detailed information and documentation supporting my claim for the removal of the late closed and charged-off items. Regrettably, these attempts have not yielded the desired results, and the inaccurate information remains on my credit report. 

The presence of these late closed and charged-off items has had a detrimental impact on my creditworthiness, affecting my ability to secure favorable interest rates, obtain credit, and make essential financial transactions. Despite my diligent efforts to address and rectify this situation, I have encountered repeated roadblocks in achieving a resolution. 

I have reached out to your customer service department on multiple occasions, and while I have received assurances that my case would be thoroughly reviewed and addressed, I have not seen any concrete progress. This has caused undue stress and frustration, as I am committed to maintaining an accurate and fair representation of my credit history. 

In light of the above, I request an immediate and thorough review of my case. I expect a comprehensive investigation into the late closed and charged-off items on my credit report, and I request the prompt removal of any inaccuracies found. Additionally, I ask for regular updates on the progress of this matter and a clear timeline for resolution. 

If the necessary steps are not taken promptly to correct this situation, I will be forced to escalate this matter to regulatory authorities and explore legal avenues to protect my rights as a consumer. I am asking for your assistance to remove theselate closed and charge off accounts in my credit file : 1. XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

2. XXXX XXXX Balance Owed : {$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. 

3. XXXX XXXX XXXX Balance Owed : {$750.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

4. XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

5. XXXX XXXX Balance Owed : {$140.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

6. XXXX XXXX XXXX Balance Owed : {$400.00} - The limit to this account was a fraction of the amount due it as stated. 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. 

7. XXXX XXXX XXXX Balance Owed : {$1400.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

8. XXXX XXXX XXXX Balance Owed : {$470.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a zero balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file.

9. XXXX XXXX Balance Owed : {$0.00} - This kind of account is in fact posted as a charged-off account, be sure you let me know precisely why there is a balance showing on the document if it is a charge off? The account balance is actually wrong, make sure you turn it to zero or get rid of the item fully.

Company response to consumer: Closed with non-monetary relief