Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I had never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. Please provide proof that it's reporting correctly from the Courthouse and not a third party and delete if anything is incorrect, on my public records, collections accounts, paid accounts and late payments if not 100 percent right. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as " paid as agreed ''. I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. Thanks. I was trying to take pictures of the areas circled and XXXX XXXX I put on my credit report and upload them but it wouldn't let me upload all of them saying some of the documents where oversized so I'm about to type the dates and amounts from each credit report which is all three reports. XX/XX/XXXX for the amount of {$270.00}, XX/XX/XXXX for the amount {$800.00}, XX/XX/XXXX closed, XX/XX/XXXX charge off for {$570.00}, XX/XX/XXXX updated XX/XX/XXXX then it say XX/XX/XXXX for {$350.00} and XX/XX/XXXX {$330.00} and XX/XX/XXXX {$310.00} and XX/XX/XXXX for {$300.00}. Moving on to the next XXXX XX/XX/XXXX it was sold {$630.00},. XX/XX/XXXX {$600.00}, XX/XX/XXXX {$2500.00}, XX/XX/XXXX {$480.00}, XX/XX/XXXX {$170.00}, XX/XX/XXXX {$770.00}, XX/XX/XXXX {$270.00}, XX/XX/XXXX {$570.00}, XX/XX/XXXX {$120.00}, XX/XX/XXXX {$630.00}, XX/XX/XXXX {$360.00}, XX/XX/XXXX {$600.00} written off and {$340.00} past due as of XX/XX/XXXX. XX/XX/XXXX for the amount {$34.00} XX/XX/XXXX {$2000.00}. XX/XX/XXXX {$130.00}. XX/XX/XXXX paid and closed. XX/XX/XXXX {$480.00}. XX/XX/XXXX {$170.00} XX/XX/XXXX transfer/sold XX/XX/XXXX {$430.00} XX/XX/XXXX {$630.00}. XX/XX/XXXX {$0.00}. XX/XX/XXXX {$360.00} XX/XX/XXXX {$2000.00}. XX/XX/XXXX {$480.00}. XX/XX/XXXX {$600.00}. XX/XX/XXXX {$570.00}.

Company response to consumer: Closed with explanation