Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: NH
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 dispute the inaccurate information reported on my credit report by Equifax. On XX/XX/XXXX, I contacted Equifax regarding these issues, but to date, I have not received any response or corrective actions from them. As per my rights under federal law, I kindly request your intervention and assistance in addressing these concerns. 
XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$500.00} ) : Due to the incorrectly reported data, I request that Equifax verifies the accuracy of the reported Balance of {$500.00} for the XXXX XXXX account. I do not recall owing such a high amount, and since Equifax presented this account as closed and charged-off, the Past Due amount should not be provided. I am in the process of clarifying this matter with the creditor. In the meantime, I request that Equifax marks this account as disputed to prevent any further negative impact on my credit score. Furthermore, I kindly request verification of the Date Opened, Date of Status, and First Reported for this account. 
XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$560.00} ) : I require Equifax to verify the XXXX XXXX account due to the inaccuracies in their reporting. The reported Balance of {$560.00} is inaccurate, as I believe it should be a lower amount. Additionally, the inclusion of a Past Due amount for a closed and charged-off account is incorrect. While I work towards resolving this dispute with the creditor, I request that Equifax marks this account as disputed, ensuring it does not negatively impact my credit standing. Furthermore, I request verification of the Date Opened, Date of Status, and First Reported for this account. 
XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$6600.00} ) : The account XXXX XXXX requires examination due to incorrect reporting by Equifax. The reported XXXX of {$6600.00} appears to be higher than what I remember. As Equifax has presented this account as closed, the Past Due amount should not be provided. I believe it would be beneficial to address this misleading data directly with the creditor. While I take immediate action to resolve this matter, I request that Equifax reports the account as disputed. 
XXXX XXXX XXXX XXXX. Account ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ) : The information indicated on the XXXX XXXX XXXX XXXX account is imprecise. The reported Balance of {$1000.00} exceeds the amount that I remember. The inclusion of the Past Due amount for a closed and charged-off account is incorrect. I plan to communicate with the creditor to clarify the reported data. Until the appropriate corrections are made, I request that Equifax marks this account as disputed. 
XXXX  Account ( Date Opened : XX/XX/XXXX, Balance : {$5200.00} ) : The evidence presented by Equifax on the XXXX account is incorrect and has caused significant prejudice to my credit reputation. The reported Balance of {$5200.00} does not correspond to the lower amount that I remember. I request Equifax to revise the Past Due information, as it is inaccurate to present a Past Due amount for a closed account that was charged-off. This account has likely caused my credit score to drop. To address this, I need to reach an agreement with my creditor regarding the inaccurate data. I request that Equifax marks this account as disputed to prevent further damage to my credit score. 
XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) : I confirm that the XXXX account does not belong to me, and I request its immediate removal from my credit report.

Company response to consumer: Closed with explanation