Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to bring to your attention my deep dissatisfaction with the repeated unsuccessful attempts to remove late closed accounts, bankruptcy records, and public records from my credit report. The persistent presence of these inaccuracies on my report is not only distressing but also damaging to my financial standing. I feel compelled to escalate this matter formally. 

I submitted a request to your institution to address the inaccuracies in my credit report, specifically related to late closed accounts, bankruptcy records, and public records. Despite multiple attempts and assurances from your customer service representatives that the necessary corrections would be made promptly, these inaccuracies persist on my credit report. 

The inclusion of late closed accounts, bankruptcy records, and public records on my credit report has a severe impact on my creditworthiness and financial reputation. As you are well aware, the accuracy of credit reports is crucial for individuals seeking financial stability and fair access to credit. 

I insist on an immediate and thorough investigation into the reasons for the persistent inaccuracies and the multiple failed attempts to rectify the situation. I request a detailed explanation of the steps being taken to expedite the removal of these items and prevent similar errors in the future. 

Furthermore, I demand a formal, written confirmation of the successful removal of the inaccuracies mentioned above withinthe exact timeframe of receiving this letter. Failure to address this concern promptly will leave me with no choice but to escalate this matter to relevant regulatory authorities and consumer protection agencies. Please help me remove these items in my credit file : XXXX. XXXX XXXX Balance : {$0.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXX. XXXX XXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

XXXX. XXXX XXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX XXXX XXXX XXXXXXXX Balance {$560.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX. XXXX XXXX Balance : {$0.00} - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act. 

XXXX XXXX XXXX Bankruptcy Discharged XXXX XX/XX/2018 - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.

Company response to consumer: Closed with non-monetary relief