Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I decided to contact each creditor to get debts verified and to ensure everyone is reporting accurate. Here are my findings. You have incorrectly reported account information on my credit report, and I demand they be deleted after being reported incorrectly for three years and being told they were veried and reporting accurately by date furnish. There is no way all three credit reports are right and are using the same date furnisher. 
Remove XXXX from XXXX report for inaccuracy. XXXX account was sent to a third- party debt collection law firm in XX/XX/XXXX. This debt was discharged in Bankruptcy XXXX XXXX XX/XX/XXXX. XXXX is still trying to collect debt through original creditor ( proof attached ) and unknown third-party collection agency. I was never notified that the original debt was sold to another debt collection agency or has the unknown debt collector notified me. XXXX is showing XXXX late payments. In XXXX responds they disclosed how many days the account was past due. ( attached ) PLEASE REMOVE THE ACCOUNT IMMEDIATELY! 

Remove XXXX from XXXX report for inaccuracy. Discharged in Bankruptcy XXXX XXXX balance should be XXXX. In XXXX responds they say that I owe XXXX. XXXX reports {$1800.00}. Equifax reports {$1800.00}. Per XXXX reports ( attached below ) say an agreement was reached was XXXX bi -weekly payments of {$110.00} which equals up to {$4600.00}. They also stated that I have paid {$2800.00} towards this balance. This will make my balance be XXXX. They also stated that no late fees were assessed for this account. Balance incorrect. XXXX LATE PAYMENTS. Also, XXXX sent this debt to a third- party debt collection law firm in XX/XX/XXXX. This debt was XXXX in Bankruptcy XXXX XXXX XX/XX/XXXX. XXXX is still trying to collect debt through original creditor ( proof attached ) and unknown third-party collection agency. I was never notified that the original debt was sold to another debt collection agency or has the unknown debt collector notified me. XXXX is showing XXXX late payments. This is incorrect. In XXXX responds they disclosed how many days the account was past due. ( attached ) PLEASE REMOVE THE ACCOUNT IMMEDIATELY! 

Remove XXXX from Equifax report for inaccuracy. XXXX in Bankruptcy XXXX XXXX balance should be XXXX. In XXXX responds they say that I owe XXXX. XXXX reports {$1800.00}. Equifax reports {$1800.00}. Per XXXX reports ( attached below ) say an agreement was reached was XXXX bi -weekly payments of {$110.00} which equals up to {$4600.00}. They also stated that I have paid {$2800.00} towards this balance. This will make my balance be XXXX. They also stated that no late fees were assessed for this account. XXXX XXXX. XXXX LATE PAYMENTS. Also, XXXX sent this debt to a third- party debt collection law firm in XX/XX/XXXX. This debt was XXXX in Bankruptcy XXXX XXXX XX/XX/XXXX. XXXX is still trying to collect debt through original creditor ( proof attached ) and unknown third-party collection agency. I was never notified that the original debt was sold to another debt collection agency or has the unknown debt collector has notified me. Equifax is showing 8 late payments. In XXXX responds they disclosed how many days the account was past due. ( attached ) PLEASE REMOVE THE ACCOUNT IMMEDIATELY! 


XXXX XXXX XXXX XXXX Per responds from XXXX ( attached ) they were not able to locate or verify an account in my name from XXXX XXXX PLEASE REMOVE THE ACCOUNT IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX responds from XXXX ( attached ) they were not able to locate or verify an account in my name from XXXX XXXX PLEASE REMOVE THE ACCOUNT IMMEDIATELY! 

SELF LENDER- ( XXXX ) Per responds from XXXX XXXX ( respondent attached ) they stated the last payment was made XX/XX/XXXX but my XXXX states that my last payment was made XX/XX/XXXX. Per responds XXXX XXXX stated that they applied {$400.00} to my {$450.00} outstanding balance. Which should leave me with a balance of {$58.00}. XXXX has also sent a balance statement ( attached ) that shows that there were not any late fees added to this account and the balance they are reporting is incorrect. Also, XXXX has stated in their response that I have a remaining balance of {$120.00}. My XXXX shows I have a balance of {$120.00}. XXXX shows 3 late payments. PLEASE REMOVE THE ACCOUNT IMMEDIATELY! 
SELF LENDER- ( XXXX ) Per responds from XXXX XXXX ( respondent attached ) they stated the last payment was made XX/XX/XXXX but my XXXX states that my last payment was made XX/XX/XXXX. Per responds XXXX XXXX stated that they applied {$400.00} to my {$450.00} outstanding balance. Which should leave me with a balance of {$58.00}. XXXX has also sent a balance statement ( attached ) that shows that there were not any late fees added to this account and the balance they are reporting is incorrect. Also, XXXX has stated in their response that I have a remaining balance of {$120.00}. My Experian shows I have a balance of $ XXXX is showing 6 late payments. PLEASE REMOVE THE ACCOUNT IMMEDIATELY! 

SELF LENDER- ( Equifax XXXX XXXX responds from XXXX XXXX ( respondent attached ) they stated the last payment was made XX/XX/XXXX but my Equifax states that my last payment was made XX/XX/XXXX. Per responds XXXX XXXX stated that they applied {$400.00} to my {$450.00} outstanding balance. Which should leave me with a balance of {$58.00}. XXXX has also sent a balance statement ( attached ) that shows that there were not any late fees added to this account and the balance they are reporting is incorrect. Also, XXXX has stated in their response that I have a remaining balance of {$120.00}. My Equifax shows I have a balance of {$120.00}. XXXX is showing XXXX late payments. The first late payment showing is XX/XX/XXXX but under my delinquency history it shows that my first delinquent date was XX/XX/XXXX. How could this be? PLEASE REMOVE THE ACCOUNT IMMEDIATELY! 

XXXX XXXX ( XXXX ) Per XXXX XXXX responds ( respondents attached ) it states that this account was repossessed due to non-payment from XXXX XX/XX/XXXX. My XXXX shows a payment was made on time XX/XX/XXXX. Also, they sent a payment statement ( attached ) that shows on XX/XX/XXXX, a payment of {$580.00} was made to XXXX XXXX XXXX. On my XXXX it states that the last payment was made on XX/XX/XXXX. This is inccorect as I attached the Principal and Interest Statement that shows the last payment was made on XX/XX/XXXX. XXXX is reporting XXXX late payments. According to the XXXX XXXX XXXX statement only XXXX payments were missed. ( Attached ) Furthermore, XXXX XXXX has sent a Payment history statement account ( attached ) stating that the deficiency balance is {$11000.00}. XXXX XXXX has stated it is {$11000.00} and XXXX is reporting {$11000.00}. PLEASE REMOVE THE ACCOUNT IMMEDIATELY! 

XXXX XXXX ( Equifax ) Per XXXX XXXX  responds ( respondents attached ) it states that this account was repossessed due to non-payment from XXXX XX/XX/XXXX. My Equifax shows a payment was made on time XX/XX/XXXX. Also, they sent a payment statement ( attached ) that shows on XX/XX/XXXX, a payment of {$580.00} was made to XXXX XXXX XXXX. On my Equifax it states that the last payment was made on XX/XX/XXXX. This is incorrect as I attached the Principal and Interest Statement that shows the last payment was made on XX/XX/XXXX. Equifax is reporting XXXX late payments. According to the XXXX XXXX XXXX statement only XXXX payments were missed. ( Attached ) Furthermore, XXXX XXXX has sent a Payment history statement account ( attached ) stating that the deficiency balance is {$11000.00}. XXXX XXXX has stated it is {$11000.00} and Equifax is reporting {$11000.00}. PLEASE REMOVE THE ACCOUNT IMMEDIATELY! 
XXXX XXXX  ( XXXX ) Per XXXX XXXX responds ( respondents attached ) it states that this account was repossessed due to non-payment from XXXX XX/XX/XXXX. My XXXX shows a payment was made on time XX/XX/XXXX. Also, they sent a payment statement ( attached ) that shows on XX/XX/XXXX, a payment of {$580.00} was made to XXXX XXXX XXXX. On my XXXX it states that the last payment was made on XX/XX/XXXX. This is incorrect as I attached the Principal and Interest Statement that shows the last payment was made on XX/XX/XXXX. XXXX is reporting XXXX late payments. This account was charged off XX/XX/XXXX, which is stated in letter attached. XXXX is still reporting late payments after XX/XX/XXXX. According to the XXXX XXXX XXXX statement only XXXX payments were missed. ( Attached ) Furthermore, XXXX XXXX has sent a Payment history statement account ( attached ) stating that the deficiency balance is {$11000.00}. XXXX XXXX has stated it is {$11000.00} and XXXX is reporting {$11000.00}. PLEASE REMOVE THE ACCOUNT IMMEDIATELY! 
XXXX XXXX ( XXXX ) Per XXXX XXXX responds ( respondents attached ) it states that this account was repossessed due to non-payment from XXXX XX/XX/XXXX. My XXXX shows a payment was made on time XX/XX/XXXX. Also, they sent a payment statement ( attached ) that shows on XX/XX/XXXX, a payment of {$580.00} was made to XXXX XXXX XXXX. On my XXXX it states that the last payment was made on XX/XX/XXXX. This is incorrect as I attached the Principal and XXXX XXXX that shows the last payment was made on XX/XX/XXXX. XXXX is reporting XXXX late payments. According to the XXXX XXXX XXXX statement only XXXX payments were missed. ( Attached ) Furthermore, XXXX XXXX has sent a Payment History Statement Account ( attached ) stating that the deficiency balance is {$11000.00}. XXXX XXXX has stated it is {$11000.00} and XXXX is reporting {$11000.00}. PLEASE REMOVE THE ACCOUNT IMMEDIATELY! 

XXXX XXXX ( XXXX ) XXXX is reporting XXXX late payments. Equifax is reporting XXXX late payments. XXXX shows this debt as a charge off which means the balance is incorrect. There no way you both can be right when you are getting your information from the same place. PLEASE REMOVE THE ACCOUNT IMMEDIATELY! 


XXXX XXXX ( Equifax ) Equifax is reporting XXXX late payments. XXXX is reporting XXXX late payments. XXXX shows this account charged off. {$1600.00} written off. This means the balance is incorrect. There no way you both can be right when you are getting your information from the same place. PLEASE REMOVE THE ACCOUNT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief