Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: MO
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 formally express my dissatisfaction with the results of my second attempt to rectify the inaccuracies on my credit report. Despite my previous dispute and the supporting documentation provided, I have observed that the late closed and charge off entries are still present on my credit file. 

I initially disputed these entries before and provided thorough documentation supporting my claim that these entries are inaccurate and should be removed. However, upon reviewing my updated credit report, I was dismayed to find that the discrepancies persist, adversely affecting my credit score and financial standing. 

I have attached copies of my previous dispute letter, the supporting documentation submitted, and the most recent credit report highlighting the unresolved issues. 

I kindly request that you conduct a thorough and unbiased investigation into this matter, reevaluate the provided evidence, and promptly rectify the inaccuracies on my credit report. It is essential to emphasize that these inaccuracies are impacting my ability to secure credit and financial opportunities. 

If additional information is required to facilitate this investigation, I expect a timely and fair resolution to this matter, in accordance with the Fair Credit Reporting Act. I am asking for your assistance to correct these late open account, and remove the late closed and charge off in my credit file : 1. XXXX XXXX Balance : {$380.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

2. XXXX  XXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

3. XXXX XXXX XXXXXXXX Balance : {$230.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

4. XXXX XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

5. XXXX XXXX XXXX XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

6. XXXX XXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

7. XXXX XXXX Balance : {$68.00} - 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 with 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. 

8. XXXX XXXX XXXX Balance : {$430.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

9. XXXX XXXX XXXX XXXX Balance : {$790.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

Company response to consumer: Closed with non-monetary relief