Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX SSN # XXXX Subject : Request for Removal of Negative Items from Credit Report Whom XXXX Concern I am writing to request the removal of certain negative items from my credit report. I recently reviewed my credit report, and upon careful examination, I have identified several items that I believe are inaccurate or outdated. I kindly request your assistance in investigating and removing these items from my credit report. 

Below, I have provided the necessary details of the negative items that I am disputing : Item : XXXX. Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$180.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$3200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$82.00} Credit limit {$3000.00} Highest balance {$3200.00} Terms - Item : XXXX info Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$370.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$1600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$59.00} Credit limit {$1500.00} Highest balance {$1600.00} Item : XXXX info Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$180.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$3200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$82.00} Credit limit {$3000.00} Highest balance {$3200.00} Item : XXXX info Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Open. {$50.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$25.00} Credit limit {$1000.00} Highest balance {$1000.00} Item : XXXX info Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Open. {$50.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Item : XXXX info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$16000.00} Highest balance - Item XXXX info Account name XXXX & XXXX Account XXXX XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$440.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$440.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$440.00} Please note that I have attached supporting documents that validate my claim. These include [ list the documents you are attaching, such as payment receipts, correspondence with the creditor, etc. ]. I kindly request you to consider these documents during your investigation. 

Additionally, I kindly request that you remove the disputed items from my credit report if they are found to be inaccurate or can not be verified within the given timeframe. Please provide me with an updated copy of my credit report with the disputed items removed. 

I appreciate your prompt attention to this matter and your cooperation in resolving this dispute. Your assistance in rectifying my credit report is crucial for my financial well-being. 

Thank you for your time and assistance. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided below. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief