Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: AR
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 submittin this CFPB complaint to request traht the Credit bureaus investigate my Credit File specifically the erroneous accounts that have been reported on my Credit File. Upon reviewing my current credit report from your bureau, I came across the disputed accounts, and I don't think they are 100 % correct. Would you please correct these accounts from my credit report? 

XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$290.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$1800.00} - I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXXXXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$2600.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. 

XXXX, XXXX. XXXX Opened XXXX. XXXX, XXXX Balance {$250.00} - I am confident that I have made all my payments on time and maintain records to support this claim. The account name, date of last activity, and balance seem to be misleading, and I request an immediate investigation into this matter. It is imperative that this account is updated with accurate and lawful information, and I expect prompt action to be taken to rectify this issue. 

XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$94000.00} - Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} - - This report is incorrect. The account in question is closed with a XXXX balance, but it's reported as past due. This needs to be corrected without delay. If you haven't reported false information, please provide evidence, otherwise, remove it.

Company response to consumer: Closed with explanation