Consumer complaint received 2020-09-04
Company: EQUIFAX, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
To Whom It XXXX Concern : On XX/XX/2020, Equifax, XXXX, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR Equifax 1. The high credit under this account is reported inconsistently on all three bureau reports. All information must be consistent on all three bureaus. Additionally, a charged-off account should not report any past due amount but this is particularly posting {$2600.00} as past due. How is that possible? 
XXXX Account Number : XXXX Delete this account for reporting all those inaccuracies. 
2. Why are both the dates under the XXXX and the XXXX  are not accurate on all 3 credit bureau reports. This information must be accurate complete and verifiable per the FCRA and the FDCPA. 
XXXX Account Number : XXXX Please remove this account from my credit report for reporting inaccurate information. 

FOR XXXX  1. The high credit under this account is reported inconsistently on all three bureau reports. All information must be consistent on all three bureaus. Additionally, a charged-off account should not report any past due amount but this is particularly posting {$2600.00} as past due. How is that possible? 
XXXX Account Number : XXXX Delete this account for reporting all those inaccuracies. 
2. Why are both the dates under the XXXX and the XXXX  are not accurate on all 3 credit bureau reports. This information must be accurate complete and verifiable per the FCRA and the FDCPA. 
XXXX Account Number : XXXX Please remove this account from my credit report for reporting inaccurate information. 
3. This is a collection account so the balance should be XXXX but it is showing an amount balance of {$370.00}. How is it even possible? 
XXXX Account Number : XXXX Please remove it from my credit report right away! 

FOR XXXX  1. The high credit under this account is reported inconsistently on all three bureau reports. All information must be consistent on all three bureaus. Additionally, a charged-off account should not report any past due amount but this is particularly posting {$2600.00} as past due. How is that possible? 
XXXX Account Number : XXXX Delete this account for reporting all those inaccuracies. 
2. Why are both the dates under the XXXX and the XXXX  are not accurate on all 3 credit bureau reports. This information must be accurate complete and verifiable per the FCRA and the FDCPA. 
XXXX Account Number : XXXX Please remove this account from my credit report for reporting inaccurate information. 
3. This is an unknown account and I never received any paperwork to legally validate and verify this. I reached out to the collection company but I never heard back from them. 
XXXX  Account Number : XXXX I don't recognize this account and I need for you to remove it please. 
4. This is a collection account so the balance should be XXXX but it is showing an amount balance of {$370.00}. How is it even possible? 
XXXX Account Number : XXXX Please remove it from my credit report right away!

Company response to consumer: Closed with explanation