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 bring to your attention the inaccurate information that Equifax has reported on my credit report. Despite my attempts to rectify the situation by contacting Equifax on XX/XX/XXXX, they have not responded or taken any action to correct these errors. As per my rights under federal law, I kindly request your assistance in addressing these concerns. 
XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$500.00} ) : The reported Balance of {$500.00} for the XXXX XXXX account is inflated and inaccurate. I do not recognize this amount, and I believe I owe a lesser sum. Additionally, the Past Due amount provided by your agency indicates an inaccurate reporting of this account. Since this account is closed and charged-off, the Past Due information should not be included. I intend to contact the creditor directly to resolve this matter. Therefore, I kindly request that Equifax mark this account as disputed until a satisfactory resolution is reached. 
XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$560.00} ) : Due to the incorrectly reported data, I request that Equifax verify the XXXX XXXX account. I am unsure of the accuracy of the reported Balance of {$560.00}, as I do not recall owing such a high amount. Your agency has presented this account as closed and charged-off ; therefore, the Past Due amount should not be provided. I intend to clarify this matter with the creditor. In the meantime, I ask Equifax to mark this account as disputed to prevent any further negative impact on my credit score. Additionally, 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 reported Balance of {$6600.00} for the XXXX XXXX account is incorrect and has caused significant harm to my credit reputation. This amount does not correspond to the lower balance that I remember. I urge Equifax to revise the Past Due information provided, as it is inaccurate to report a Past Due amount for a closed account that was charged-off. This account may have contributed to a significant drop in my credit score. Therefore, I request that Equifax mark this account as disputed to prevent further negative impact on my credit score while I work towards resolving this issue with my creditor. 
XXXX Account ( Account XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) : The account XXXX identified with the account number XXXX is not mine. I kindly request the immediate removal of this account from my credit report as it does not belong to me. 
XXXX XXXX XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ) : The account XXXX XXXX XXXX XXXX, with a reported Balance of {$1000.00}, needs to be examined due to incorrect reporting. The reported Balance seems to be higher than the amount that I remember. Since your agency has presented this account as closed, the Past Due amount should not be provided. I believe it may be beneficial to address the misleading data directly with the creditor. I am determined to take immediate action in this regard, but I need Equifax to report the account as disputed while I work towards finding a solution. 
XXXX  Account ( Date Opened : XX/XX/XXXX, Balance : {$5200.00} ) : The reported Balance of {$5200.00} for the XXXX  account is incorrect and has caused significant harm to my credit reputation. This amount does not correspond to the lower balance that I remember. I urge Equifax to revise the Past Due information provided, as it is inaccurate to report a Past Due amount for a closed account that was charged-off. This account may have contributed to a significant drop in my credit score. Therefore, I request that Equifax mark this account as disputed to prevent further negative impact on my credit score while I work towards resolving this issue with my creditor.

Company response to consumer: Closed with explanation