Consumer complaint received 2023-06-17
Company: EQUIFAX, INC.
State: MA
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 am writing to submit a formal dispute regarding the inaccurate information on my Equifax credit report. Despite my previous contact with Equifax on XX/XX/XXXX, they have not responded to my concerns. I kindly request your assistance in addressing the following inaccuracies : XXXX XXXX XXXX XXXX Account Date Opened : XX/XX/XXXX Balance : {$2000.00} The XXXX XXXX XXXX XXXXXXXX account listed on my Equifax credit report requires verification as your reporting of this information is incorrect. The reported balance of {$2000.00} by Equifax is inaccurate, and I believe it should be a lower amount. Furthermore, the Past Due amount should not be presented for this closed and charged-off account. I request Equifax to mark this account as disputed while I work towards resolving my dispute with the creditor. Additionally, I require Equifax to verify the Date Opened, Date of Status, and First Reported for this account. 

XXXX Account Date Opened : XX/XX/XXXX Balance : {$110.00} The XXXX account listed on my Equifax credit report needs to be examined due to incorrect reporting. The reported balance of {$110.00} by Equifax appears to be higher than the balance I remember. Since this account is listed as closed, the Past Due amount should not be provided. I believe it would be beneficial to address this misleading data directly with the creditor. I am determined to take immediate action, but I request Equifax to report this account as disputed while I attempt to find a resolution. 

Inaccurate Evidence on XXXX XXXX XXXX XXXX Account Date Opened : XX/XX/XXXX Balance : {$2000.00} The inaccurate information provided by Equifax regarding the XXXX XXXX XXXX XXXX  account is causing significant prejudice to my credit reputation. The reported balance of {$2000.00} does not correspond to the lower amount I remember. I request Equifax to revise the Past Due information as it is not accurate to present a Past Due amount for a closed account that was charged-off. This account 's inaccurate reporting has likely negatively impacted my credit score. Consequently, I need to reach an agreement with my creditor regarding the incorrect data. I request Equifax to mark this account as disputed to prevent further negative impact on my credit score. 

XXXX  Account Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} The XXXX account listed on my Equifax credit report inaccurately shows a late payment. I request Equifax to remove the late payment notation as this account was never late. 

XXXX XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} The XXXX XXXX account listed on my Equifax credit report requires correction/update as the information provided is inaccurate. I kindly request Equifax to rectify this incorrect information. 

XXXX XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$14000.00} The XXXX XXXX account listed on my Equifax credit report inaccurately shows a late payment. I request Equifax to remove the late payment notation as this account was never late.

Company response to consumer: Closed with non-monetary relief