Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and noticed 3 accounts reporting inaccurate across 3 bureaus the following accounts are. ( XXXX- XXXX XXXX XXXX XXXX ) on XX/XX/XXXX the first letter I've sent to Equifax, XXXX, XXXX, I Stated that it was inaccurate information on my credit report please remove the items. they responded with a " Verified '' response and then on XX/XX/XXXX I sent a Letter Of Method Of Verification. I Received Another Letter Of " Verified '' on XX/XX/XXXX I Sent a third letter asking all 3 bureaus to Stating the inaccuracies on the credit report since they couldn't look and tell these are the inaccuracies and I also asked for a my signature on any contract and never received anything I'm Sending Proof that this account must be deleted for the following reasons. 

XXXX XXXX Account Number : XXXX Date Opened XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) equifax ( XX/XX/XXXX ) High Balance XXXX ( XXXX ) XXXX ( XXXX ) Equifax XXXX XXXX ) Credit Limit XXXX XXXX XXXX ) XXXX ( XXXX ) Equifax ( XXXX ) Last Reported XXXX ( XX/XX/XXXX XXXX  ( XX/XX/XXXX ) Equifax ( XX/XX/XXXX ) Date Of Last Activity XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Equifax ( XX/XX/XXXX ) Date Of Last Payment XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XX/XX/XXXX ) but shows a payment was made XX/XX/XXXX all of this information is incorrect and this account needs to be removed from the credit report also. 
It Says 120 Days Late For XXXX It Should Say 30 Days late, 60 days late,90 days late, 120, days late before it gets charged off all of this information is incorrect and this account needs to be removed from the credit report all this is grounds for deletion according to the FCRA all items on the credit report must be reporting accurate and on each bureau the item is reporting inaccurate and it must be deleted immediately I stated that I do not consent to E-oscar or any means of automation verification. 



( XXXX. XXXX XXXX # XXXX ) on XX/XX/XXXX the first letter I've sent to Equifax, XXXX XXXX XXXX XXXX I Stated that it was inaccurate information on my credit report please remove the items. they responded with a " Verified '' response and then on XX/XX/XXXX I sent a Letter Of Method Of Verification. I Received Another Letter Of " Verified '' on XX/XX/XXXX I Sent a third letter asking all 3 bureaus to Stating the inaccuracies on the credit report since they couldn't look and tell these are the inaccuracies I'm Sending Proof that this account must be deleted for the following reasons.Last Reported ( XX/XX/XXXX ) Date Of Last Activity ( XX/XX/XXXX ) But Shows A Payment Was Made ( XX/XX/XXXX ) this is incorrect how was a payment made if the account is closed. and it states from ( XX/XX/XXXX ) - XX/XX/XXXX ) it was a payment made this is grounds for deletion and I also asked for a my signature on any contract and never received anything on XX/XX/XXXX the first letter I've sent to Equifax, XXXX, XXXX, I Stated that it was inaccurate information on my credit report please remove the items. they responded with a " Verified '' response and then on XX/XX/XXXX I sent a Letter Of Method Of Verification. I Received Another Letter Of " Verified '' on XX/XX/XXXX I Sent a third letter asking all 3 bureaus to Stating the inaccuracies on the credit report since they couldn't look and tell these are the inaccuracies I'm Sending Proof that this account must be deleted for the following reasons. 

. XXXX XXXX XXXX  Account Number : XXXX Balance ( XXXX ) How Is It A Balance If It's Charged Off It Should Be ( XXXX ) They Sold The Debt This Account Is Incorrect and needs to be deleted Date Of Last Payment ( XX/XX/XXXX ) But Shows ( CO ) ( XX/XX/XXXX ) And It Shows It Was 30 Days Late then 60 Days Late Then Charge Off It Suppose To Be 30, 60, 90, 120, Before A Charge off this account needs to be deleted for several of incorrect information and violating the FCRA and I also asked for a my signature on any contract and never received anything I have the right to a accurate credit report the misleading information needs to be removed immediately.

Company response to consumer: Closed with explanation