Consumer complaint received 2022-08-11
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:
Credit Report has inaccurate information because Co-Borrowers Age reported is incorrect, also report shows legal name as aka/nickname both shows different names from the legal name. Also Incorrect Dates of resident address times/dates discrepancies, errors modification on account not correct facts. Per 15 U.S.C. 1681 A. States, I have the right to privacy and accurate information on the credit reports and should not and can not modify information on the credit reports. Also Incorrect Dates of resident address times/dates discrepancies, errors modification on account not correct facts. Per 15 U.S.C. 1681 A. States, I have the right to privacy and accurate information on the credit report and should not and can not modify information on the credit reports.

5 U.S.C. 1681 Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. I personally made several attempts to make payment arrangements to satisfy this account but after personally going to the bank in person after waiting for XXXX a bank representative asked me to come back later or someone would contact me from the bank, after making several attempts to speak to a bank representative regarding making some kind of payments arrangements and also need to dispute the Overdraft Charges because the amount owed was incorrect, but no one ever contacted me to settle this matter, Did not know my account was sent to a creditor that closed account years ago without my acknowledgment nor did not contact me to make any kind of payment arrangements. So I'm requesting this account to be removed and deleted from my credit report. The creditor never contacted me which violated my rights to privacy. 
Dates/ Amounts on Credit Reports are : 1. ) XXXX XXXX XXXX XXXX Delinquency shows Date : XX/XX/XXXX / Amount Charged : {$680.00} Closed and Re-Opened XX/XX/XXXX Cable box charge/ boxes were returned years ago when we paid off the account in full and the account was closed in good standing. 

2. ) Account Name : XXXX XXXX Date of delinquency : XX/XX/XXXX - Amount Charged : {$510.00} Request : Delete and Remove this account Explanation of item being disputed : o The report shows I currently owe money to your company that I have already repaid. 
o The date of first delinquency on my report is not accurate. [ see attachment of an original copy of credit report highlighted with circles for an explanation as above explained for each account. 
* Inaccurate information with errors, Address Discrepancy : A substantial difference occurred, info not correct on the credit report. 
I have attached a copy of my report with the accounts in question circled. 

Action Taken by myself XXXX XXXX / XXXX XXXX The dispute was filed with- Equifax Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Date Filed : By Phone Dispute XX/XX/XXXX ( Have not been Contacted as of XX/XX/XXXX, XXXX ) No one has reached out with the investigation. Only received a copy of the Credit Report.

Company response to consumer: Closed with explanation