Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally register a complaint regarding the persistent and unresolved issues with late closed and charged-off accounts that continue to appear on my credit report. Despite multiple diligent attempts to rectify these inaccuracies, they persistently impact my credit history and financial standing. 

To provide context, I first identified the presence of late closed and charged-off accounts on my credit report. Since then, I have conscientiously followed the prescribed procedures for disputing and removing these inaccuracies, including the submission of supporting documentation and evidence of the inaccuracies. 

Here is a summary of the actions I have taken in my endeavor to address this issue : I promptly contacted your agency and filed a dispute regarding the late closed and charged-off accounts. I submitted all necessary documentation to substantiate my claims, which included evidence of timely payments and communication with the creditors in question. 

After not receiving any resolution or updates on my dispute, I initiated follow-up inquiries during which I was informed that the investigation was still ongoing. 

Subsequently, I submitted additional disputes, reiterating my concerns and supplying any supplementary evidence that was requested. 

I have persistently attempted to communicate with your agency 's customer service department via phone and email to inquire about the status of my dispute, yet I have not received a satisfactory response. 

Despite my repeated efforts to rectify this situation, the late closed and charged-off accounts persist on my credit report, inaccurately reflecting my credit history and detrimentally affecting my financial opportunities. 

I understand the importance of accurate credit reporting, and I firmly believe that your agency has a responsibility to ensure the correctness and integrity of the information within my credit file. Therefore, I respectfully request the following : A thorough and expedited reevaluation of the late closed and charged-off accounts on my credit report. 

Immediate correction of the inaccuracies by removing the late closed and charged-off accounts from my credit report.

A detailed written response that outlines the results of the investigation and the steps taken to rectify my credit report.

Assurance that measures will be put in place to prevent future occurrences of such inaccuracies. 

I anticipate a prompt and meaningful response to this formal complaint within the exact time frame from the date of this letter. Should my concerns not be adequately addressed, I may need to pursue legal remedies to rectify this matter. I am asking for your immediate assistance to removed the following accounts in my credit file : DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX XXXX XXXXBalance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX* Balance Owed : {$200.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

Company response to consumer: Closed with non-monetary relief