Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: MO
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 XXXX XXXX and I am submitting this complaint myself. These accounts still reported in my credit file and that are all inaccurate and erroneous. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for these accounts? The following accounts should be corrected or removed from my credit file : XXXX XXXX XXXX Balance Owed : {$28000.00} - Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} - It has come to my attention that you are reporting an account that has been deleted by other credit bureaus. To comply with the FCRA, I request that you remove the said account from my credit report without delay to avoid any negative impact on my creditworthiness. XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} - I have always made my payments on time and have not been late on this account. However, the records you have presented do not match up with my own. I respectfully request a comprehensive investigation into this account and ask that any necessary updates be made to ensure legal and lawful accuracy. XXXX XXXX  XXXX XXXX Balance Owed : {$1600.00} - Can you please provide documentation to substantiate that the account in question is rightfully included on my credit report and that my rights have not been violated? If such documentation can not be provided, I kindly request the prompt removal of this harmful data. XXXX XXXX XXXX XXXX : {$0.00} - This charge off account on my credit report with a XXXX balance are causing undue stress and negative impact on my credit score. I demand that you take action to investigate and remove the charge off status to ensure that my credit report is accurate and up to date. XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$860.00} - It is completely unacceptable that this account has been designated as a charged-off account, yet there is still a balance present on the statement. Explain to me immediately why this inconsistency exists. The balance is unequivocally erroneous, and I demand that you rectify the issue by either setting it to XXXX or removing the item entirely. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} - It is absolutely absurd that a charged-off account still has a balance showing on the statement. You will provide a prompt and detailed explanation for this discrepancy, and you will correct the balance immediately. If you fail to do so, I will not hesitate to take legal action against your organization. XXXX XXXX  XXXX Balance Owed : {$28.00} XXXX - Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} - I have always made my payments on time and have not been late on this account. However, the records you have presented do not match up with my own. I respectfully request a comprehensive investigation into this account and ask that any necessary updates be made to ensure legal and lawful accuracy. XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$860.00} - It is completely unacceptable that this account has been designated as a charged-off account, yet there is still a balance present on the statement. Explain to me immediately why this inconsistency exists. The balance is unequivocally erroneous, and I demand that you rectify the issue by either setting it to XXXX or removing the item entirely. XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1300.00} - Can you please provide documentation to substantiate that the account in question is rightfully included on my credit report and that my rights have not been violated? If such documentation can not be provided, I kindly request the prompt removal of this harmful data. XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} - It has come to my attention that you are reporting an account that has been deleted by other credit bureaus. To comply with the FCRA, I request that you remove the said account from my credit report without delay to avoid any negative impact on my creditworthiness. XXXX XXXX XXXX XXXX : {$0.00} - This charge off account on my credit report with a XXXX balance are causing undue stress and negative impact on my credit score. I demand that you take action to investigate and remove the charge off status to ensure that my credit report is accurate and up to date. XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$3000.00} - It is absolutely absurd that a charged-off account still has a balance showing on the statement. You will provide a prompt and detailed explanation for this discrepancy, and you will correct the balance immediately. If you fail to do so, I will not hesitate to take legal action against your organization. XXXX XXXX XXXX Balance Owed : {$28000.00} - Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} - I have always made my payments on time and have not been late on this account. However, the records you have presented do not match up with my own. I respectfully request a comprehensive investigation into this account and ask that any necessary updates be made to ensure legal and lawful accuracy. XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} - Can you please provide documentation to substantiate that the account in question is rightfully included on my credit report and that my rights have not been violated? If such documentation can not be provided, I kindly request the prompt removal of this harmful data. XXXX XXXX XXXX XXXX : {$0.00} - This charge off account on my credit report with a XXXX balance are causing undue stress and negative impact on my credit score. I demand that you take action to investigate and remove the charge off status to ensure that my credit report is accurate and up to date. XXXX  XXXX Balance Owed : {$0.00} - This account is reported in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Please provide proof of the last payment. Otherwise, remove the account abruptly. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} - It is completely unacceptable that this account has been designated as a charged-off account, yet there is still a balance present on the statement. Explain to me immediately why this inconsistency exists. The balance is unequivocally erroneous, and I demand that you rectify the issue by either setting it to XXXX or removing the item entirely. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} - It is absolutely absurd that a charged-off account still has a balance showing on the statement. You will provide a prompt and detailed explanation for this discrepancy, and you will correct the balance immediately. If you fail to do so, I will not hesitate to take legal action against your organization.

Company response to consumer: Closed with explanation