Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
1 ) XXXX or XXXX didn't not provided verification of debt but instead sent me a statement stating XXXX XXXX XXXX provided a statement which do not provide any information that was requested of how they verified this debt. A statement with a balance does not verify what proof do they have that I opened this account in XXXX. According to Section 623 ( a ) ( 8 ) ( D ) The original creditor should provide this information to the new collector. A debt collector can not verify anything only validate and I sent a request for Validation XX/XX/XXXX, and I have not received any verification information that I request. Please delete this as the wrong creditor is reporting this information. Without showing proof of validation within 30 days. 
2 ) This repossession is inaccurate because the repossession is still showing XXXXXXXX XXXX XXXX  but was transferred or sold, balances on each credit bureau is different XXXX balances states {$19000.00}, Equifax {$12000.00}, open and closed dates are different on each bureau, XXXX Open date shows XX/XX/XXXX Equifax Open date XX/XX/XXXX which is incorrect. Closed date on XXXX showing XX/XX/XXXX, Equifax showing NONE. Last payment showing XX/XX/XXXX XXXX and Equifax showing XX/XX/XXXX. Last reported showing on XXXX XX/XX/XXXX, Equifax XX/XX/XXXX. I am requesting that the item be removed. 
3 ) XXXX XXXX showing all inaccuracy information nothing is matching XXXX showing closed with balance of {$5700.00} payment of {$110.00} last Pay XX/XX/XXXX last reported XX/XX/XXXX XXXX delinq {$330.00} past due and after several disputes no remarks of my disputes showing. Equifax showing different amount {$5700.00} payment {$110.00} last reported XX/XX/XXXX 60 day delinq Past Due {$220.00} 30 days late with no dispute remarks as well. 
4 ) XXXX XXXX XXXX showing closed balance {$880.00} 1 month term last reported XX/XX/XXXX no payments ever made, Equifax showing open {$880.00} term XXXX last report XX/XX/XXXX 120 days late showing payment XX/XX/XXXX XXXX late payments. 
5 ) XXXX XXXX- never showed proof of validation reporting twice as 2 different accounts.

6 ) XXXX XXXX-never showed proof of validation reporting twice as 2 different accounts.

7 ) XXXX XXXXero Balance put won't update-XXXX  open date XX/XX/XXXX ; XXXX open XX/XX/XXXX 8 ) XXXX XXXXPaid and full and still have not updated-XXXX  and Equifax open date XX/XX/XXXX but XXXX shows XX/XX/XXXX XXXX Equifax/XXXX  showing 120 delinq while XXXX showing 150 delinq ; Last report date for equifax XXXX showing XX/XX/XXXX 9 ) Perpay-Not late and still showing late payments -Equifax shows last report date XX/XX/XXXX high balance showing {$1100.00} ; XXXX shows last report XX/XX/XXXX with incorrect balance {$940.00} 10 ) XXXX-Reported fraud and still have not provided proof but won't update-Differ info all credit reports XXXX showsXXXX but equifax and XXXX shows XX/XX/XXXX ; Equifax shows last report date XX/XX/XXXX and last payment XX/XX/XXXX XXXX but XXXX and XXXX shows XX/XX/XXXX with no last payment 11 ) XXXX XXXX XXXX-Debt Contract Request I never had a contract with this debt collector for any debt. yet still has not provided any proof of validation 12 ) XXXX XXXX & XXXX-I never had a contract with this debt collector for any debt still no validation Equifax showing last payment XX/XX/XXXX, last report XX/XX/XXXX delinq 120, with no remarks showing I've disputed this numerous times, XXXX  dates differ last report XX/XX/XXXX with no other dates and no remarks showing I've disputed this numerous times. 
13 ) XXXX XXXX XXXX  last payment showing XX/XX/XXXX last report XX/XX/XXXX but closed XX/XX/XXXX Credit Bureau is not properly investigating accounts that are being reported, different last active dates, showing false activity last payment amounts, failing to enter any of my notices of dispute under remarks.

Company response to consumer: Closed with explanation