Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep dissatisfaction and frustration regarding several attempts I have made to correct the late open account and remove the charge-off from my credit report. I believe that there have been inaccuracies and errors on my credit report that are negatively impacting my credit score and financial well-being. 

Below, I am providing you with a summary of the issues I have encountered : I have repeatedly tried to correct the inaccurate late open accounts listed on my credit report. These late open accounts are not reflective of my actual credit history, and I have never been late on any open accounts. Despite my diligent efforts to rectify this issue, it persists, affecting my ability to access credit and other financial opportunities. 
Additionally, I have been working tirelessly to have the charge-off account removed from my credit report. This charge-off account does not accurately represent my financial history, and I believe it is an erroneous entry on my credit report. I have provided the necessary documentation and information to prove that this account should not be considered a charge-off, yet it remains on my report, causing severe harm to my creditworthiness. 

I have made numerous attempts to resolve these issues by contacting the respective creditors, submitting dispute letters, and providing supporting documents, but there has been little to no response or resolution from your end. I understand that accuracy in credit reporting is crucial, and I am committed to maintaining my financial integrity. 

I kindly request your immediate attention and action in investigating these inaccuracies on my credit report. I expect a thorough review of the information I have submitted and prompt correction of these errors. I also request that you provide me with written updates on the progress of this dispute and the results of your investigation. 

Furthermore, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am prepared to take any necessary legal actions if these discrepancies are not resolved in a timely manner. It is my hope that such actions will not be required, and we can work together to rectify these inaccuracies promptly. I am asking for your assistance to correct or remove the accounts : XXXX XXXX Balance Owed : {$6700.00} Date Opened : XX/XX/2020 I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. XXXX XXXX Balance Owed : {$0.00} I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.

Company response to consumer: In progress