Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'd previously brought to your and credit reporting agency attention, in writing the following errors to be corrected and/or deleted from my credit report as required by FCRA in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As of today 2, said errors are still showing on my credit report and I expect them to be corrected immediately. 

Personal Information : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are all incorrect and must be deleted. My legal name is XXXX XXXX. ( ID attached ) Addresses : XXXX XXXX XXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX, XXXX XXXX XXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX MA XXXX, XXXX XXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX MA XXXX, XXXX Floor XXXX MA XXXX, XXXX XXXX XXXX XXXX XXXX MA XXXX- All incorrect and must be deleted immediately. My legal address is XXXX XXXX XXXX XXXX MA XXXX Accounts : XXXX XXXX XXXX XXXX - previously disputed Comment missing previous dispute, violates FCRA, account must be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, should be # XXXX Account waas paid off XX/XX/XXXX Correct balance is {$0.00}, not {$52000.00} Account Status is Closed, not Open This account is correctly reported to XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Disputed Payment history reported XXXX XX/XX/XXXX XX/XX/XXXX should be XXXX, XXXX XX/XX/XXXX XX/XX/XXXX should be XXXX, account correctly reprorted to XXXX and Equifax Comments missing previous dispute which violates FCRA. Account must be deleted immediately XXXX XXXX Bank # XXXX Payment history listed as current every month however Status says " no more than 2 payments past due '', that is incorrect. Status should must say Current. 
Account correctly reported to XXXX XXXX and XXXX ) XXXX XXXX XXXX XXXX # XXXX Previously Disputed Correct payment history as follows : XX/XX/XXXX XX/XX/XXXX on time, XX/XX/XXXX XXXX, XX/XX/XXXX XX/XX/XXXX on time, XX/XX/XXXX XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX on time, XX/XX/XXXX on time, XX/XX/XXXX XXXX, XX/XX/XXXX on time, XXXX should have no information reported since loan was paid off in full in XX/XX/XXXX Comments missing from previous dispute, violates FCRA, account must be deleted immediately XXXX XXXX  XXXX XXXX XXXX XXXX Account charged off/transferred to another lender XX/XX/XXXX Correct balance is {$0.00} Correct past due amount {$0.00} Correct payment history as follows : XX/XX/XXXX should be C/O, XX/XX/XXXX should be no info not XXXX, XX/XX/XXXX should be no info, not XXXX. 
Comments missing previous dispute, violation of FCRA therefore account must be deleted immedaitely XXXX XXXX # XXXX - Previously disputed Account was charged off and transferred to another lender in XX/XX/XXXX Correct balance is {$0.00} Correct past due amount {$0.00} Correct payment hsitory : XX/XX/XXXX should be C/O, XX/XX/XXXX XX/XX/XXXX was not CO and should be no info reported, XX/XX/XXXX should be no info reported Comments missing previous dispute therefore violates FCRA, delete account immediately. 

XXXX XXXX Bank # XXXX Previously disputed Account was charged off and transferred to another lender Correct balance was {$0.00} Correct past due {$0.00} Payment history for all of XXXX, XXXX, XXXX, XXXX is all incorrect, since account was charged off XX/XX/XXXX - no information should be reported monthly for XXXX, XXXX, XXXX, XXXX. 
Comments missing previous dispute, violates FCRA, delete account immediately XXXX XXXX Bank # XXXX Previously disputed Account was charged off transferred to another lender XX/XX/XXXX Correct balance {$0.00} Correct past due amount is {$0.00} Payment history for all of XXXX, XXXX, XXXX, XXXX all incorrect since account was charged off XX/XX/XXXX. 
Comments missing previous dispute, violates FCRA, must be deleted XXXX XXXX XXXX - Previously disputed Correct payment history as follows : XX/XX/XXXX on time, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, Comments missing previous dispute, violates FCRA, account must be deleted immediately XXXX  # XXXX Previously disputed Account was charged off and transferred to another lender on XX/XX/XXXX Correct balance is {$0.00} Correct past due amount is {$0.00} Comments missing previous dispute, violates FCRA, account must be deleted immediately XXXX XXXX # XXXX Previously idsputed Account was charged off transferred to another lender Correct balance is {$0.00} Correct past due is {$0.00} Correct payment hisotry - XX/XX/XXXX is on time Comments missing previous dispute, violates FCRA, account must be deleted immediately XXXX XXXXXXXX XXXX # XXXX - Previously Disputed Account was charged off transferred to another lender Comments missing previous dispute, violates FCRA, account must be deleted immediately XXXX Bank XXXX # XXXX Previously disputed Account balance charged off transferred to another lender Correct balance is {$0.00} Correct past due amount is {$0.00} Account charged off XX/XX/XXXX, therefore all payment history from XX/XX/XXXX through XX/XX/XXXX is incorrect and must be deleted immediately. 
Comments missing previous dispute, violates FCRA, account must be deleted immediately XXXX XXXX # XXXX Account charged off XX/XX/XXXX and transferred to another lender Correct balance is {$0.00} Past due amount is {$0.00} Payment history XX/XX/XXXX on time, must be corrected immediately ( acct reported correctly on XXXX and XXXX ) XXXX : Account name Collection account # XXXX Previously disputed Account name missing Original creditor missing Contact info missing Comments missing previous dispute, never corrected, violates FCRA, account must be deleted immediately Account name Blank, account # XXXX Account name missing Original creditor missing Contact info missing This account violates FCRA, must be deleted immediately

Company response to consumer: Closed with explanation