Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: CA
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:
I need your help please. 

1 ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX Equifax Account XXXX : XXXX XXXX - Account Type : Open account COLLECTION - Account Type - Detail : Open account Collection - Bureau Code : Joint account Joint Account - Account Status : - XXXX - Monthly Payment : - - - Date Opened : XX/XX/XXXX XX/XX/XXXX - Balance : {$270.00} {$270.00} - No. of Months ( terms ) : - 1 Month - High Credit : {$290.00} {$290.00} - Credit Limit : - - - Past Due : - - - Payment Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX & XXXX ; s internal collection department - Last Reported : XX/XX/XXXX XX/XX/XXXX - Comments : Account information disputed by consumer Account information disputed by consumer under the Fair Credit Reporting Act Date Last Active : XX/XX/XXXX XX/XX/XXXX - Date of Last Payment : - - - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO Equifax This is not my account they are illegally reporting this on my credit report. I have never done any business with this company. This company does not have a contract bearing my signature they need to remove this unlawful account. 

2 ) XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX - Account Type : Installment account INSTALLMENT - Account Type - Detail : Installment account Business Loan - Bureau Code : Individual account Individual - Account Status : Closed Closed - Monthly Payment : {$0.00} - - Date Opened : XX/XX/XXXX XX/XX/XXXX - Balance : {$1200.00} - - No. of Months ( terms ) : Monthly 24 Months - High Credit : {$2000.00} {$2000.00} - Credit Limit : {$0.00} - - Past Due : - - - Payment Status : Charged off as bad debt Legally paid in full for less than the full balance - Last Reported : XX/XX/XXXX XX/XX/XXXX - Comments : Profit and loss writeoff - Date Last Active : XX/XX/XXXX XX/XX/XXXX - Date of Last Payment : - - - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 120 120 90 60 60 60 60 120 90 60 30 OK OK OK OK OK Equifax This account is being reported inaccurate on my credit report they need to remove this unlawful account. Date of last active is inaccurate across bureaus 3 ) XXXX XXXX XXXX XXXX XXXX Equifax Account # XXXX XXXX XXXX Account Type : Installment account INSTALLMENT Installment Account Type - Detail : Installment account Auto Loan Installment Bureau Code : Individual account Individual Individual Account Account Status : Closed Closed Closed Monthly Payment : {$0.00} - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} - {$0.00} No. of Months ( terms ) : Monthly 52 Months Monthly ( due every month ) High Credit : {$16000.00} {$16000.00} {$16000.00} Credit Limit : {$0.00} - - Past Due : - - - Payment Status : Payment after charge off / collection Legally paid in full for less than the full balance Charge-off Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Settled ; less than full balance - PAID CHARGE OFF Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK CO CO CO CO CO CO CO CO This account is being reported inaccurate on my credit report they need to remove this unlawful account. Date of last active is inaccurate across 3 bureaus.

4 ) XXXX XXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving account REVOLVING Revolving Account Type - Detail : Revolving account Credit Card Revolving Bureau Code : Individual account Individual Individual Account Account Status : Closed Closed Closed Monthly Payment : {$0.00} - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} - {$0.00} No. of Months ( terms ) : - Revolving - High Credit : {$410.00} - - Credit Limit : {$300.00} {$300.00} {$300.00} Past Due : - - - Payment Status : Payment after charge off / collection Paid, was a charge-off Charge-off Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Paid profit and loss - PAID CHARGE OFF Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK This account is being reported inaccurate on my credit report they need to remove this unlawful account. Date of last active is inaccurate across 3 bureaus.

Company response to consumer: Closed with explanation