Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: CA
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:
To whom it may concern, Upon viewing my credit report, I notice my XXXX ACCOUNT #. XXXX had a discrepancy in the date opened, last reported, date last active, date of last reported, date of last active and payments sections of the listing. Date opened Equifax and XXXX reporting XX/XX/XXXX, however XXXX is reporting XX/XX/XXXX. Also last reported is also showing different dates as well. Same as Date of Last Payment. If this is the same account reported by the same creditor how are these dates different? Because of this apparent neglect ensuring everything on my report is accurate, consistent, and up to date please DELETE this item immediately. 
Upon viewing my credit report, I notice my XXXX XXXX- ACCOUNT #. XXXXhad a discrepancy in the date opened, last reported, date last active, date of last reported, date of last active and payments sections of the listing. Date opened Equifax and XXXX reporting XX/XX/XXXX, however XXXX is reporting XX/XX/XXXX. Also last reported is also showing different dates as well. Same as Date of Last Payment. If this is the same account reported by the same creditor how are these dates different? Because of this apparent neglect ensuring everything on my report is accurate, consistent, and up to date please DELETE this item immediately. 
Upon viewing my credit report I notice my XXXX XXXX- ACCOUNT #. XXXXhad a discrepancy in the date opened, last reported, date last active, date of last reported, date of last active and payments sections of the listing. Date opened Equifax and XXXX reporting XX/XX/XXXX, however XXXX is reporting XX/XX/XXXX. Also last reported is also showing different dates as well. Same as Date of Last Payment. If this is the same account reported by the same creditor how are these dates different? Because of this apparent neglect ensuring everything on my report is accurate, consistent, and up to date please DELETE this item immediately. 
Upon viewing my credit report, I notice my XXXX XXXX XXXX XXXX ACCOUNT #. XXXXhad a discrepancy in the date opened, last reported, date last active, date of last reported, date of last active and payments sections of the listing. Date opened Equifax and XXXX reporting XX/XX/XXXX, however XXXX is reporting XX/XX/XXXX. Also last reported is also showing different dates as well. Same as Date of Last Payment. If this is the same account reported by the same creditor how are these dates different? Because of this apparent neglect ensuring everything on my report is accurate, consistent, and up to date please DELETE this item immediately. 

Upon viewing my credit report, I notice my XXXXXXXX XXXX- ACCOUNT #. XXXXhad a discrepancy in the date opened, last reported, date last active, date of last reported, date of last active and payments sections of the listing. Date opened Equifax and XXXX reporting XX/XX/XXXX, however XXXX is reporting XX/XX/XXXX. Also last reported is also showing different dates as well. Same as Date of Last Payment. If this is the same account reported by the same creditor how are these dates different? Because of this apparent neglect ensuring everything on my report is accurate, consistent, and up to date please DELETE this item immediately. 

I have enclosed screenshot of your viewing. Please see date opened section. As well as all the other misinformed highlighted dates and information. Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Violation of privacy rights under 15 USC 1692 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation