Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally file a complaint regarding the numerous and unsuccessful attempts I have made to correct the late open accounts on my credit report and remove the charge-off accounts. These inaccuracies are adversely affecting my financial well-being, and I am seeking your immediate assistance to address and rectify this matter. 

I discovered that my credit report, issued by 3 Credit Bureaus, contained multiple inaccuracies related to late open accounts and charge-off accounts. These inaccuracies do not accurately reflect my credit history and financial responsibilities. I have made several attempts to correct these errors, but they persist on my credit report, causing significant damage to my creditworthiness.

I kindly request that you take the following actions to address this issue : Conduct a thorough review of the late open accounts and correct their status to accurately reflect my payment history.

Investigate the charge-off accounts and remove them from my credit report if they are found to be inaccurately reported.

Provide me with written confirmation once the late open accounts have been corrected, and the charge-off accounts have been removed from my credit report.

Ensure that no further negative impacts occur on my credit report due to these inaccuracies.

I understand the importance of maintaining accurate credit reporting, and I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to rectify this situation as promptly as possible.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these issues are not resolved to my satisfaction within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your immediate assistance to corrrect or remove the following accounts in my credit file : 1. XXXX XXXX XXXX Balance Owed : {$26000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

2. XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

3. XXXX XXXX Balance Owed : {$0.00} - 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. 

4. XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

Company response to consumer: Closed with non-monetary relief