Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: TX
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 was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated and or deleted. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$5300.00} - How many times do I have to state that the references used to support the late payment on this account are false and deceptive, thus impacting my credit report? I previously asked that this account be looked at and corrected, but you did nothing. Let me remind you that the FCRA legislation requires you to look into and update this account in response to customer inquiries. In order to present correct information on my credit report, I once again ask that you take your time to THOROUGHLY examine and CORRECT this account. 

XXXX XXXX Balance Owed : {$23000.00} - According to the Federal Reserve and the Federal Deposit Insurance Act, an account is regarded as charged off when it shows up to be 120 days past due. I've read enough to be familiar with my rights. You are trying to go against this unambiguous understanding. Investigate and adjust the situation as necessary to represent it correctly. 

XXXX XXXX XXXX XXXX : {$19000.00} - This account currently publishes information without permission. You continued to record an account as 120 days past due even though it is already a charge off account under the Federal Reserve and Federal Insurance Act. I want a complete inquiry and that an update be given legally and accurately. 

XXXX XXXX XXXX XXXX : {$0.00} - Account number, payment status, and date open appear to be inaccurate information that was reported. Please review this account 's payment history information. I think I made my payment on time, therefore the late history shouldn't be displaying any lates. Correct the late payments from this account, please. I'm not running behind on this. Get it correct as soon as possible ; assess this reporting by updating the data supplied. Please update this from my file, make any necessary changes, and modify it. 

XXXX XXXX XXXXXXXX XXXX XXXX : {$2400.00} - The payment status and payment history on this account were incorrect. A charge-off ought to have a balance of XXXX. My credit continues to be harmed by this false information. Please present evidence of the most recent payment. If not, please delete this from my file. 

XXXX XXXX XXXX XXXX : {$0.00} - This account contains a lot of errors. When the account hasn't been updated in years, it is misleadingly presenting a current status of 120 days late! According to the Federal Deposit Insurance Act of 1950, the statute of limitations has already run its course. Show me your payment history documentation. Investigate the false information and correct it. If not, delete right away. 

XXXX XXXX XXXX Balance Owed : XXXX  XXXX The FDIC 's Account Management Policy and Uniform Credit Retail Credit Classification are both broken by this account, according to the report. Please present evidence of the most recent payment. Otherwise, immediately delete the account.

Company response to consumer: Closed with explanation