Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX  XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing a Collection/Charge Off, which you claim I owe a balance of {$2800.00}. 
More specifically, I am referencing the fact that you are reporting the following : No account number given. Where is the account number? Last payment made was on XX/XX/XXXX ; however, in the description of payment history, it states that the account was in good standing in XX/XX/XXXX listed as OK referring to a payment received within a 30-day period. Furthermore, the account was supposedly closed on XX/XX/XXXX ; however, how could the account be in good standing from XXXX through XX/XX/XXXX after the account was closed? In XXXX of XXXX in the account history, the account stated that it was charged off when in fact, the account was closed in XXXX XXXX Credit card companies charge off accounts 180 days for nonpayment after last payment received and, in this case, the account would have been charged off in XX/XX/XXXX. How is it possible that XXXX  XXXX XXXX is reporting that the account was in good standing for six months and then 30, 60, 90, 120, 150 and 180 days late after the closure of the account which occurred in XXXX of XXXX. The above information pertaining to this account in inaccurate and highly damaging to my credit score. Please remove immediately. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX  XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Validation. I do not consent to e-oscar or any means of automated verification.

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX : XXXX Note : Claim filed against Equifax for XXXX breach in XXXX. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation