Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: MA
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 formally file a complaint with the Consumer Financial Protection Bureau regarding the incorrect information present on my Equifax credit report. Despite reaching out to Equifax on XX/XX/XXXX, to address these inaccuracies, I have not received any response or resolution. The following details outline the specific inaccuracies and required corrections : Account Details : Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} I confirm that the XXXX XXXX XXXX  account ( Account # : XXXX ) was never late. I request the immediate correction/update of this inaccurate information on my Equifax credit report. 


XXXX XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} ) : The XXXX  XXXX account ( Account # : XXXX ) is not associated with me. I formally request the removal of this inaccurate account entry from my Equifax credit report. 


XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$810.00} ) : I dispute the reported balance of {$810.00} for the XXXX  account ( Date Opened : XX/XX/XXXX ). I recall a lower amount. Additionally, I disagree with the inclusion of the Past Due amount as the account is closed and charged-off. To avoid any adverse impact on my credit score, I request Equifax to mark this account as disputed. 


XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) : The reported evidence for the XXXX  account ( Date Opened : XX/XX/XXXX ) contains inaccuracies. The balance of {$1900.00} is inconsistent with my recollection of a lower amount. I urge Equifax to revise the Past Due information as it is incorrect for a closed, charged-off account. I believe this account 's inaccuracies have adversely affected my credit score. To prevent further damage, I request Equifax to mark this account as disputed. 


XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$2000.00} ) : The reported balance of {$2000.00} for the XXXX XXXX account ( Date Opened : XX/XX/XXXX ) is inflated and inaccurate. I dispute this amount and the inclusion of the Past Due information, given the account 's closed and charged-off status. I intend to contact the creditor to rectify this discrepancy. In the interim, I request Equifax to mark this account as disputed. 


XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$260.00} ) : The reported balance of {$260.00} for the XXXX XXXX account ( Date Opened : XX/XX/XXXX ) is incorrect, and I dispute the inclusion of the Past Due amount. As the account is closed and charged-off, including a Past Due amount is unwarranted. I request Equifax to mark this account as disputed while I work on resolving this matter with the creditor. Additionally, I require verification of the Date Opened, Date of Status, and First Reported. 


XXXX XXXX. Account ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ) : The reported balance of {$1500.00} for the XXXX XXXX. account ( Date Opened : XX/XX/XXXX ) is imprecise. This amount exceeds my recollection. The Past Due section should be omitted due to the closed and charged-off status. I plan to discuss this discrepancy with the creditor and request Equifax to mark this account as disputed until necessary corrections are made.

Company response to consumer: Closed with non-monetary relief