Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX On XX/XX/XXXX I put in a complaint with Equifax which they have responded to today XX/XX/XXXX stating I am using verbiage as a credit repair. I am not a credit repair agent or using a credit repair company. I am knowledgeable of my FCRA rights as they are listed for anyone to view and educate themselves. 

I feel that Equifax is just using this as a way to ignore the clear inaccurate information that I have pointed out to their company in regards to the reporting. 

On XX/XX/XXXX I sent a dispute over to Equifax about the following questionable items on my account XXXX/XXXX  Charge off with a balance High credit of {$360.00} and sent yet another response on XX/XX/XXXX with the account showing a date of last payment of XX/XX/XXXX but on the historical Account history it shows Actual payment amount of {$34.00} on XX/XX/XXXX. The date of First delinquency is being reported as XX/XX/XXXX which also does not add up if the date of the last payment was XX/XX/XXXX or XX/XX/XXXX. Which clearly shows inaccuracy in their reporting. Not to mention there are no disputed remarks on this account which clearly shows they have not properly investigated this account which is another violation of my FCRA rights. 

Also I pointed out to Equifax that this account is now being reported twice on my credit report which is causing a duplicate negative remark and has dropped my credit score significantly since then. Attached are the responses from Equifax along with a copy of my credit report as proof. 

Equifax responding with a false allegation is just another way to continue to report inaccurate information and fail to investigate the information properly and continue to damage my credit. Which is another FCRA violation when reporting information that has been provided to be inaccurate. 

XXXX/XXXX  On XX/XX/XXXX I put in a complaint with Equifax which they have responded to today XX/XX/XXXX stating I am using verbiage as a credit repair. I am not a credit repair agent or using a credit repair company. I am knowledgeable of my FCRA rights as they are listed for anyone to view and educate themselves. 

I feel that Equifax is just using this as a way to ignore the clear inaccurate information that I have pointed out to their company in regards to the reporting. 

On XX/XX/XXXX I sent a dispute over to Equifax about the following questionable items on my account XXXX Charge off with a balance {$3100.00} and sent yet another response on XX/XX/XXXX with the account showing a date of last payment of XX/XX/XXXX but on the historical Account history it shows Actual payment amount of {$72.00} on XX/XX/XXXX and XX/XX/XXXX. Which clearly shows inaccuracy in their reporting. Not to mention there are no disputed remarks on this account which clearly shows they have not properly investigated this account which is another violation of my FCRA rights. 

Also I pointed out to Equifax that this account is now being reported twice on my credit report which is causing a duplicate negative remark and has dropped my credit score significantly since then. Attached are the responses from Equifax along with a copy of my credit report as proof. 

Equifax responding with a false allegation is just another way to continue to report inaccurate information and fail to investigate the information properly and continue to damage my credit. Which is another FCRA violation when reporting information that has been provided to be inaccurate. 

XXXX  This account has also been disputed and does is still being reported inaccurately. This account does not belong to me and also have disputed it with XXXX which has not provided me with the proper documentation to show their right to owe this debt, a date of first delinquency, verified how they came up with this balance or any documentation showing I actually own this debt. 

XXXX  only provided me with a simple response with bill statements as described below : Statement with a due date XX/XX/XXXX with a balance {$1600.00} ( payment {$27.00} XX/XX/XXXX ) Statement with a due date XX/XX/XXXX balance {$2000.00} ( payment {$39.00} XX/XX/XXXX ) Statement with a due date XX/XX/XXXX balance {$2100.00} ( payment {$64.00} XX/XX/XXXX ) Statement with a due date XX/XX/XXXX balance {$2300.00} ( payment {$75.00} XX/XX/XXXX ) - missing statement with due dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Then just to Statement with a due date XX/XX/XXXX balance {$3000.00} Statement with a due date XX/XX/XXXX {$3100.00} Equifax shows a date of first delinquency of XX/XX/XXXX in their response on XX/XX/XXXX but by the statement XXXX  sent it shows a balance of {$2300.00} but the balance they are requesting is XXXX This account is also being reported on Equifax which you stated you verified with an Account # XXXX but the account number showing from XXXX  response is XXXX which clearly indicates a discrepancy in your reporting and verification because the statement sent from XXXX also has a different account #. Please delete this inaccurate unverifiable account immediately.

Company response to consumer: Closed with explanation