Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
DELETE ALL LISTED BELOW INACCURATELY REPORTED INFORMATION XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XXXX Equifax Account # : XXXX XXXX XXXX High Balance : {$2700.00} {$0.00} {$2700.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$2700.00} {$2700.00} {$2700.00} Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Department/Variety and Other Retail Miscellaneous Department and Variety Stores Complete Department Stores Account Status : Closed Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Accounts closed by credit grantor Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$2700.00} {$2700.00} {$2700.00} Account Type : Charge account Charge account -- Payment Frequency : -- -- -- Credit Limit : {$2300.00} {$2300.00} -- XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX -- High Balance : {$3200.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$3200.00} {$3200.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Bank Bank Credit Cards -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees. 
Unpaid balance reported as a loss by the credit grantor. 
-- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$3200.00} {$3200.00} -- Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$3000.00} {$3000.00} -- XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX High Balance : {$2300.00} {$2300.00} {$2500.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$2000.00} {$2000.00} {$2000.00} Closed Date : -- -- -- Account Rating : Open Open Open Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Bank Bank Credit Cards All Banks Account Status : Open Open Open Payment Status : Current Current Current Creditor Remarks : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Credit card Account previously in dispute - now resolved by data furnisher Payment Amount : {$67.00} {$67.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Credit Card Credit Card Credit Card Payment Frequency : -- -- -- Credit Limit : {$2500.00} {$2500.00} -- Two-Year payment history XXXX XXXX Equifax Days Late - XXXX Year History XXXX XXXX Equifax XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX High Balance : {$21000.00} {$21000.00} {$21000.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Finance/Personal Personal Loan Companies Auto Financing Account Status : Closed Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
-- -- -- Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX Term Length : XXXX ( s ) XXXX ( s ) -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Auto Loan Auto Loan -- Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- XXXX XXXX XXXX Equifax Account # : XXXX XXXX -- High Balance : {$1500.00} {$1500.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$1500.00} {$1500.00} -- Closed Date : -- -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Collection Services Other Collection Agencies -- Account Status : Open Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Placed for collection -- -- Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- Last Payment : XXXX XXXX XXXX Past Due Amount : {$0.00} {$0.00} -- Account Type : -- -- -- XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX High Balance : {$3000.00} {$3000.00} {$3000.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$3000.00} {$3000.00} {$3000.00} Closed Date : -- -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Collection Services Other Collection Agencies Other Collection Agencies Account Status : Open Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees . 
Consumer disputes after resolution Subject has not satisfied debt. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last Payment : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : -- -- -- DELETE ALL LISTED INQUIRIES WITH ALL CREDIT REPORTING BUREAUS NOT AUTHORIZED INACCURATELY REPORTING UNDER MY CREDIT REPORT. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX XXXX FD/PRIME LENDING A XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation