Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent a letter to all three credit bureaus regarding inaccurate accounts being listed on my reports. All three bureaus ( Equifax, XXXX and XXXX ) responded, but accounts were not removed. 
Per 15 U.S.C 168li-5a : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( XXXX  ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The accounts listed below are inaccurate and have been reported with an inconsistent balances or inaccurate payment history. 

Please see the table below for a detailed breakdown. 

I would appreciate an updated credit report with the accounts removed for accuracy. 

Account : XXXX XXXX XXXX CHARGE OFF Account Number : XXXX Balance reporting {$0.00} The high balance is reporting {$0.00} The high balance is reporting lower than the balance. Inaccurate -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account : XXXX XXXX XXXX CHARGE OFF Account Number : XXXX Highest Balance Reported : {$0.00} Balance Reported : {$550.00} The high balance is reporting lower than the balance. Inaccurate -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account : XXXX XXXX CHARGE OFF Account number : XXXX Reporting inconsistent date last active between XXXX and Equifax XX/XX/XXXX and XX/XX/XXXX Inaccurate and conflicting information reporting -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account : XXXX XXXX  XXXX XXXX XXXX CHARGE OFF Account Number : XXXX Reporting inconsistent date last active between XXXX and Equifax XX/XX/XXXX XX/XX/XXXX Inaccurate and conflicting information reporting. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account : XXXX XXXX XXXX CHARGEOFF Account number : XXXX High credit balance is {$0.00} Balance is {$0.00} Inaccurate reporting -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account : XXXX CHARGEOFF Account number : XXXX Date of last payment is XX/XX/XXXX via XXXX XXXX Date of last payment XX/XX/XXXX via XXXX XXXX Account listed as collections, but payment history chart says OK for 2-year payment history. Inaccurate payment history reporting -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX CHARGEOFF Account number : XXXX High credit balance is {$0.00} Balance is {$0.00} Inaccurate reporting

Company response to consumer: Closed with explanation