Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
To : whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$7700.00} Date open : XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. 
High Credit : XXXX is currently showing {$12.00}, XXXX, XXXX and Equifax show XXXX. 
Lasted Reported : XXXX show XX/XX/XXXX, XXXX show XX/XX/XXXX, and Equifax show XX/XX/XXXX. All three Credit Reporting Agency are showing difference dates. Please delete Date of Last Active : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and Equifax show XX/XX/XXXX. 
Past dues balance, Date open, High Credit Lasted Reported, and Date of Last Active all show inaccurate on this account accordance to Metro 2 Guidelines it MUST be delete. 

Account Name : XXXX XXXX  Account # XXXX PAST DUE BALANCE OF $ {$1100.00} ( Account in Collection/Charge off please delete ) Date open : XXXX is XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, and Equifax show XX/XX/XXXX High Credit : XXXX is reporting {$1100.00} and XXXX XXXX XXXX, and Equifax show {$1100.00} Lasted Reported : XXXX is reporting XX/XX/XXXX. XXXX XXXX XX/XX/XXXX and Equifax show XX/XX/XXXX Date of Last Active : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and Equifax show XX/XX/XXXX Past dues balance, Date open, High Credit Lasted Reported, and Date of Last Active all show inaccurate on this account accordance to Metro 2 Guidelines it MUST be delete. 

Account Name : XXXX  Account : XXXX PAST DUE BALANCE : {$1400.00} Date open : XX/XX/XXXX High Credit : {$1200.00} Lasted Reported : XX/XX/XXXX Date of Last Active : XX/XX/XXXX Equifax is reporting past dues amount of {$1400.00} on collection/charge off account. Inaccurate on this account accordance to Metro 2 Guidelines it MUST be delete. 

Account Name : XXXX XXXX XXXX XXXX Account : XXXX PAST DUE BALANCE : PAID Date open : XX/XX/XXXX High Credit : {$53000.00} Lasted Reported : XX/XX/XXXX Date of Last Active : XX/XX/XXXXXXXX XXXX-reporting this account is paid in Full, in the comment section it states unpaid balance reported as a loss by credit grantor. 

This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

Account XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) Account : XXXX Date opened : XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 
Lasted Reported : XXXX is reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX. This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 
Date of Last Active : XXXX reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX. Inaccurate is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation