Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I am writing to dispute the accuracy of my credit report as reported by XXXX XXXX ( XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have identified several violations of the Fair Credit Reporting Act ( FCRA ) by these creditors. 

XXXX XXXX ( XXXX ) reported my account type as a revolving account in XXXX and Equifax but as a credit card in XXXX. This inconsistency in reporting the account type violates FCRA. Additionally, there is an inconsistency in reporting the date last active as XX/XX/XXXX in XXXX and Equifax and XX/XX/XXXX in XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) reported inconsistencies in several areas, including the account type being reported as a revolving account in XXXX and Equifax but as a credit card in XXXX. The account status was reported as closed in XXXX and Equifax but open in XXXX. The balance was reported as {$270.00} in XXXX and Equifax but {$300.00} in XXXX. The last reported date was reported as XX/XX/XXXX in XXXX and XX/XX/XXXX in XXXX and XX/XX/XXXX in Equifax. The date last active was reported as XX/XX/XXXX in XXXX and XX/XX/XXXX in XXXX and XX/XX/XXXX in Equifax. These inconsistencies violate FCRA. 

XXXX ( XXXX ) also reported inconsistencies in several areas, including the account type being reported as a revolving account in XXXX and Equifax but as a charge card in XXXX. The monthly payment balance was reported as {$38.00} in XXXX and XXXX but as {$44.00} in Equifax. The last reported date was reported as XX/XX/XXXX in XXXX and XX/XX/XXXX in XXXX and XX/XX/XXXX in Equifax. The date last active was reported as XX/XX/XXXX in XXXX and XX/XX/XXXX in XXXX and XX/XX/XXXX in Equifax. These inconsistencies violate FCRA. 

XXXXXXXX XXXX XXXX  XXXX ) reported inconsistencies in several areas, including the account type being reported as a revolving account in XXXX but as a secured credit card in XXXX. The number of months revolving or not reported in XXXX and XXXX. The payment status was reported as paid or paying as agreed in XXXX but as current and past due 30 days three times in XXXX. The last reported date was reported as XX/XX/XXXX in XXXX and XX/XX/XXXX in XXXX. The date last active was reported as XX/XX/XXXX in XXXX and XX/XX/XXXX in XXXX. These inconsistencies violate FCRA. 

XXXX XXXX ( XXXX ) reported inconsistencies in several areas, including the account type being reported as a revolving account in XXXX but as a secured credit card in XXXX. The monthly payment balance was reported as {$41.00} in XXXX but not reported in XXXX and Equifax. These inconsistencies violate FCRA. 

These errors have had a big influence on my life, especially my ability to get a loan to buy a house. Despite my persistent attempts to pay off my obligations, it has been challenging for me to demonstrate my trustworthiness to lenders because of these false and contradictory reports. Being unable to give my children a secure home has given me a lot of worry and anxiety. These inconsistencies have not only affected my ability to secure credit, but they have also had a significant impact on my emotional and mental well-being. The stress and anxiety of dealing with these inaccuracies have caused me to lose sleep and have impacted my overall quality of life. 

Therefore, I am requesting that you take immediate action to enforce my legal rights under the FCRA and remove these unverified collection accounts from my credit report. I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation