Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Sir/Madam, I am writing to bring to your attention certain violations of the Fair Credit Reporting Act ( FCRA ) related to the reporting of my credit information by XXXX XXXX XXXX  on my credit reports from XXXX, XXXX, and Equifax. Each identified error corresponds to specific FCRA violations under Section 15 U.S.C. 1681s-2, including 15 U.S.C. 1681s-2 ( a ) ( 1 ) and 15 U.S.C. 1681s-2 ( a ) ( 8 ).

These companies have failed in their duty to investigate disputed information. I have reached out to these reporting companies several times, yet they continue to report errors on my credit report, knowingly providing false information.

The information on my credit report is outdated and inaccurate. I do not currently owe any money to XXXXXXXX XXXX XXXX, nor do I have an active account with them. 

XXXX, XXXX, and Equifax are each reporting the following errors and violations : Error : Date of Last Activity : Discrepancy across all three credit reporting companies. 
FCRA Violation : 15 U.S.C. 1681s-2 - Duty to Provide Accurate Information Requested Action : Correct the inconsistencies in the Date of Last Activity. 

Error : Payment Status reported as " Collection/Chargeoff '' despite being marked as Paid.

FCRA Violation : 15 U.S.C. 1681s-2 - Duty to Provide Accurate Information Requested Action : Clarify the payment status accurately. Per IRS a charge account is Ordinary Income and Ordinary Income should not be reported on a consumer report. 
An account can not both be a collections and a chargeoff at the same time. 

Error : XXXX consistently reports this account as a Chargeoff every month.

FCRA Violation : 15 U.S.C. 1681s-2 - Duty to Provide Accurate Information A charge off only takes place one time this can not report every month as a charge off each month. This is hurting my credit.

Error : Comments on account : " Account information disputed by consumer, meets FCRA requirements. '' This comment is misleading and false, as this account reporting does not meet FCRA requirements.

FCRA Violation : 15 U.S.C. 1681s-2 - Duty to Investigate Disputed Information Error : Date of Last Payment and Last Reported Date discrepancies across all three companies.

FCRA Violation : 15 U.S.C. 1681s-2 - Duty to Provide Accurate Information Error : High Credit amounts differ across all three companies.

FCRA Violation : 15 U.S.C. 1681s-2 - Duty to Provide Accurate Information I kindly request that XXXXXXXX XXXX XXXX undertake the following actions : Correct the inaccuracies on my credit reports with XXXX, XXXX, and Equifax to ensure that the information is accurate, complete, and verifiable. 

Provide written confirmation of the corrections made to my credit reports and delete the account due to multiple violations. 

I am seeking a remuneration of {$1000.00} per violation of the FCRA, totaling {$5000.00}, to address the harm caused by these inaccuracies. This payment should be mailed to the following address within 30 days or I will take further legal action. 

[ Your Name ] XXXX XXXX XXXX XXXX, GA XXXX These errors have significantly impacted my financial well-being, and I believe that a fair resolution should encompass both the correction of my credit reports and compensation for the violations. Your prompt attention to this matter and compliance with the FCRA is highly anticipated.

Company response to consumer: Closed with non-monetary relief