Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I am writing to dispute the information reported by XXXX XXXX  XXXX on my credit report. Specifically, the information reported by this creditor regarding my account number XXXX is inaccurate and violates several provisions of the Fair Credit Reporting Act ( FCRA ). 

According to XXXX, my payment status is 60 days late, while XXXX shows no late payments. Additionally, XXXX reports a monthly payment balance of {$180.00}, whereas XXXX shows it was {$240.00}. There is also a discrepancy in the reported account balance, with XXXX reporting a balance of {$5500.00} and XXXX reporting {$5500.00}. Furthermore, XXXX reported a last reported date of XX/XX/XXXX, while XXXX reported XX/XX/XXXX. 

XXXX XXXX  XXXX XXXX reporting of inaccurate and inconsistent information violates several provisions of the FCRA. Section 607 ( b ) requires that credit reporting agencies follow reasonable procedures to ensure the accuracy of consumer credit reports, while Section 607 ( c ) requires that credit reporting agencies include all relevant information in consumer credit reports and prohibits the exclusion of any information that would reflect negatively on the consumer 's creditworthiness. Section 611 ( a ) requires credit reporting agencies to provide consumers with a free copy of their credit report once every 12 months, upon request, and Section 623 ( a ) ( 2 ) requires credit reporting agencies to investigate and correct any inaccuracies in consumer credit reports brought to their attention by consumers. 

XXXX XXXX XXXX XXXX XXXX on my credit report. According to XXXX, the monthly payment balance for my account is {$0.00}, but XXXX and Equifax did not report the same information. Additionally, XXXX reported a charge off status for my account, which I never received any notification about, and the other two bureaus did not report any negative information on my account. 

These discrepancies have had a significant impact on my life. As a result of the inaccurate reporting, I have been denied credit and loans that I desperately needed. I have also been forced to pay higher interest rates and fees on the credit and loans that I have been able to obtain. 

It is my understanding that XXXX XXXX XXXX XXXX may have violated several provisions of the FCRA, including Section 607 ( b ), Section 607 ( c ), and Section 623 ( a ) ( 2 ), by reporting inaccurate and incomplete information to the credit reporting agencies and failing to investigate and correct inaccuracies brought to their attention by consumers. 

XXXX  XXXX for inaccurate reporting on my credit report. According to XXXX and Equifax, I was 120 days late on my account XXXX on XX/XX/XXXX, but I did not miss any payments on this account. Additionally, XXXX and Equifax are reporting a charge off status, but I never received any notification or paperwork regarding this status. 

Furthermore, the reported Date Last Active date on XXXX is XX/XX/XXXX, while Equifax is reporting XX/XX/XXXX. This discrepancy raises questions about the accuracy of XXXX XXXX 's reporting. 

I believe XXXX XXXX may have violated Section 607 ( b ) and 607 ( c ) of the FCRA by reporting inaccurate information to XXXX and Equifax, which could negatively impact my creditworthiness. I also believe they may have violated Section 623 ( a ) ( 2 ) of the FCRA by not providing any notification or paperwork regarding the reported charge off status. 
XXXX XXXX XXXX  XXXX provided to XXXX and XXXX credit reporting agencies. According to the report, I was 30 days late on my account with account number XXXX on XX/XX/XXXX. However, I did not miss any payment on this account. The Last Reported date is also different on the reports from XXXX and XXXX compared to Equifax. 

I believe that XXXX XXXX XXXX  may have violated Section 607 ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer credit reports. By reporting inaccurate information to XXXX and XXXX, XXXX XXXX XXXX  may have negatively impacted my creditworthiness. 

Furthermore, XXXX XXXX XXXX  may have also violated Section 623 ( a ) ( 2 ) of the FCRA, which requires credit reporting agencies to investigate and correct any inaccuracies in consumer credit reports brought to their attention by consumers. XXXX XXXX XXXX  did not provide any notification or paperwork to me regarding the reported 30 days late payment status, which could result in me being unaware of the negative impact on my credit report. 

XXXX XXXX XXXX  The account number associated with the errors is XXXX. According to XXXX and Equifax, the balance on the account is {$0.00}, but XXXX has not reported the same. Additionally, XXXX and Equifax have reported a high credit balance of {$1200.00}, but XXXX has not. All three credit bureaus have reported the payment status as a charge off, but I have never received any notification or paperwork regarding this charge off account. 

I believe that XXXX XXXX XXXX  may have violated several sections of the FCRA, including Section 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer credit reports. In this case, XXXX XXXXXXXX XXXX may have reported inaccurate information to XXXX, failing to report a balance of {$0.00}, and reporting a high credit balance of {$1200.00} to XXXX and Equifax, which could negatively impact my creditworthiness. 

Furthermore, Section 607 ( c ) of the FCRA requires credit reporting agencies to include all relevant information in consumer credit reports and prohibits the exclusion of any information that would reflect negatively on the consumer 's creditworthiness. XXXX XXXX XXXX  may have violated this section by not reporting accurate information to XXXX and reporting a high credit balance of {$1200.00} to XXXX and Equifax. 

Finally, Section 623 ( a ) ( 2 ) of the FCRA requires credit reporting agencies to investigate and correct any inaccuracies in consumer credit reports brought to their attention by consumers. XXXX XXXX XXXX  may have violated this section by reporting inaccurate information to all three credit bureaus and not providing me with any notification or paperwork regarding the reported charge off status, which has negatively impacted my credit report and my ability to access credit. 

XXXX XXXX  XXXX XXXX Specifically, I am concerned about the reporting of a due status of 150 days to XXXX without any notification or paperwork provided to me. 

As a result of this inaccurate reporting, my credit score has been negatively impacted, making it difficult for me to obtain credit and loans at reasonable rates. This has been particularly devastating for me as I have been trying to secure a loan to pay for my child 's college tuition. 

I believe XXXX XXXX may have violated Section 623 ( a ) ( 2 ) of the FCRA, which requires credit reporting agencies to investigate and correct any inaccuracies in consumer credit reports brought to their attention by consumers. Additionally, there may be a potential violation of Section 607 ( c ) of the FCRA, which requires credit reporting agencies to include all relevant information in consumer credit reports and prohibits the exclusion of any information that would reflect negatively on the consumer 's creditworthiness.

dispute the presence of US Dist Ct XXXX on my credit report. To the best of my knowledge, this account does not belong to me and I am requesting that it be immediately removed from my credit file. 

This error has had a significant impact on my life. I have been trying to obtain a loan for a home for the past several months, but my applications have been denied due to the presence of this account on my credit report. I have also been turned down for credit cards and other types of financing, which has made it difficult for me to manage my finances and meet my daily expenses. 

I believe that there may be a potential violation of Section 623 ( a ) ( 1 ) ( A ) of the FCRA, as US Dist Ct XXXX may have been reported inaccurately to the credit bureaus without any reasonable investigation being conducted. This has resulted in the inclusion of erroneous information on my credit report, which has had a negative impact on my creditworthiness. 

Additionally, there may be a potential violation of Section 607 ( c ) of the FCRA if US Dist Ct XXXX did not accurately report information to all three credit bureaus. This section requires credit reporting agencies to include all relevant information in consumer credit reports and prohibits the exclusion of any information that would reflect negatively on the consumer 's creditworthiness. 

The account in question is with US Dist Ct XXXX, and I am dumbfounded by how it was verified by your agency when the other bureaus could not. I am requesting that you remove this inaccurate information immediately from my credit report. 

I believe that there may be a potential violation of Section 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct a reasonable investigation of any dispute of the completeness or accuracy of any information contained in a consumer 's credit report. If the credit reporting agency determines that the disputed information is inaccurate or incomplete, it must promptly correct or delete the information. 

It is possible that your agency verified the account with US Dist Ct XXXX without conducting a reasonable investigation, which could be a violation of this section of the FCRA. 

U.S. Bankruptcy Court XXXX account that is listed as belonging to me. To the best of my knowledge, this account does not belong to me, and I request that it be removed from my credit file immediately. 

I believe that this information may have been reported to the credit bureaus without proper verification, which may be a violation of Section 623 ( a ) ( 1 ) ( A ) of the FCRA. As a result of this inaccurate information, my credit score has been negatively impacted, which has made it difficult for me to obtain credit and has caused significant stress and financial hardship in my life. 

I am a single mother who has worked hard to maintain a good credit score, and this error has had a significant impact on my ability to provide for my family. I have been denied credit, including a loan to purchase a car that I desperately need to commute to work and take my children to school and appointments. 

U.S. Bankruptcy Court XXXX. The reporting of this account is inaccurate, and it needs to be removed immediately from my credit report. I have already contacted other credit bureaus, and they have removed it. However, U.S. Bankruptcy Court XXXX continues to report this information on my credit report. 

The inaccuracies on my credit report have had a significant impact on my life. I have been denied credit, insurance, and even employment opportunities because of these inaccurate reports. It has caused me emotional distress and anxiety, and I have suffered financial losses as a result. 

I believe that U.S. Bankruptcy Court XXXX has violated the Fair Credit Reporting Act ( FCRA ). According to Section 607 ( b ) of the FCRA, credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information in a consumer 's credit report. If the reported information is inaccurate, incomplete, or not verifiable, it may be a violation of Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which requires credit reporting agencies to conduct a reasonable investigation of any dispute of the completeness or accuracy of any information contained in a consumer 's credit report. If the credit reporting agency determines that the disputed information is inaccurate or incomplete, it must promptly correct or delete the information. 

It is possible that U.S. Bankruptcy Court XXXX failed to verify the accuracy and completeness of the information they reported on my credit report, which could be a violation of the FCRA. I request that you investigate this matter thoroughly and enforce the legal regulations that U.S. Bankruptcy Court XXXX is required to comply with. 

Therefore, I request that U.S. Bankruptcy Court XXXX remove this unverified account from my credit report as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation