Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I contacted Equifax regarding incorrect information on my credit report. However, to date, they have not responded. The following are the details of the inaccurate information and the required corrections : The XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$11000.00} ) account is being reported incorrectly. I dispute the Balance of {$11000.00} as I remember it to be lower. Additionally, the Past Due amount should not be reported, as this account is closed and charged-off. I request that you delete this information and mark this account as disputed so that it does not affect my credit score. 


The information presented for the account XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$920.00} ) is incorrect and is causing significant damage to my credit reputation. The Balance of {$920.00} that you provide for this account is not accurate, and the Past Due information needs to be revised. As this is a closed and charged-off account, Past Due information should not be presented. I request that you mark this account as disputed so that it does not negatively impact my credit score. 


The XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ) account is also inaccurately reported. I am unsure of the accuracy of the Balance of {$1100.00}, and your agency presented this account as closed and charged-off, so Past Due information should not be reported. I request that you mark this account as disputed and verify the Date Opened, Date of Status, and First Reported for this account. 


The information presented for the account XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$4100.00} ) is inaccurate. I recognize the original creditor for this account as XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, but I do not have any contract with the company stated on this account, XXXX XXXX. Additionally, the Balance of {$4100.00} reported by you is not accurate, as I remember it to be lower. I dispute the entire account and request that you verify the Date Opened and Date of First Delinquency for this account. 


The information presented for the XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$2400.00} ) account is also inaccurate. While I am aware of the original creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, I do not know the collection agency you have reported, as I have no contract with them. Moreover, the Balance of {$2400.00} reported by you is not accurate, as I believe it to be lower. Additionally, the Balance reported is higher than the High Balance on the same account, indicating an error in your reporting. I dispute the entire account and request that you verify the Date Opened and Date of First Delinquency for this account. 


The account identified as XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$800.00}, ) is also reported inaccurately. The Balance of {$800.00} reported by you is not accurate, and the Past Due amount should not be presented as this account is closed and charged-off. I request that you mark this account as disputed and verify the Date Opened, Date of Status, and First Reported for this account. 


The information presented on the XXXX XXXX  account ( Date Opened : XX/XX/XXXX, XXXX : {$2000.00} ) needs to be investigated. I am aware that the original creditor is XXXX XXXX  XXXX XXXX XXXX XXXX, but I have not been contacted by XXXX XXXX. The balance amount of {$2000.00} is inflated and inaccurate. I do not recognize this amount and believe that I owe a lower amount. Due to these inaccuracies, I dispute the entire account and request that you verify the following dates : Date Opened and Date of First Delinquency. 


The information presented on the XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$2500.00} ) is unknown to me as I have only had a contract with the original creditor, XXXX XXXX XXXX XXXX. The balance of {$2500.00} is higher than the amount I remember. This information is inaccurate, and I am disputing the entire account. I request that you verify the following dates : Date Opened, Date of First Delinquency, Date of Status, and First Reported.

Company response to consumer: Closed with explanation