Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I am writing to inform you of several errors on my credit report that need to be corrected. On XX/XX/XXXX, I contacted Equifax regarding these errors, but to this date, they have not responded. 

Firstly, I require your bureau to verify the XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$4700.00} ), which is incorrectly reported on my credit report. I am uncertain of the accuracy of the balance reported for this account, as I do not recall owing such a high amount. Additionally, your agency presented this account as closed and charged-off, so the past due amount should not be provided. I request that you mark this account as disputed to prevent any further negative impact on my credit score. Furthermore, I would like you to verify the Date Opened, Date of Status, and First Reported for this account. 

Secondly, the account COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) is not mine, and I request that you remove it from my credit report. 

Thirdly, the information presented for the account COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$54.00} ) is inaccurate. The original creditor on this account is a distinct company, XXXX XXXX, than the one you indicate. Additionally, you report a higher balance than the amount I believe I owe. I dispute this account and request that you verify the Date Opened and Date of First Delinquency. 

Fourthly, the account XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$390.00} ) needs to be examined due to incorrect reporting. The balance reported for this account is higher than I remember, and your agency presented this account as closed, so the Past Due amount should not be provided. I plan to address the misleading data with the creditor and request that you report this account as disputed while I resolve the issue. 

Fifthly, I require you to verify the account identified as XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$470.00} ) because your reporting represents the information incorrectly. The balance reported by you is inaccurate, and the Past Due amount should not be presented as this account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor. Additionally, I request that you verify the Date Opened, Date of Status, and First Reported for this account. 

Lastly, the account XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) needs to be examined due to incorrect reporting. The balance reported for this account is higher than I remember, and your agency presented this account as closed, so the Past Due amount should not be provided. I plan to address the misleading data with the creditor and request that you report this account as disputed while I resolve the issue. 

Moreover, the information presented on the XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$690.00} ) account is imprecise. The balance reported for this account is higher than the amount that I remember, and the amount indicated in the Past Due section should be removed as this account has a closed and charged-off status. I plan to have a conversation with the creditor of this account to clarify all of the reported data. Until the appropriate corrections are made, please mark this account as disputed.

Company response to consumer: Closed with explanation