Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: IN
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 am filing a complaint against XXXX, XXXX and Equifax for inaccurate information. On my credit reports from them there is different info that is wrong. I pointed it out to them and disputed it on XX/XX/2023 and the same day and they said they had verified it. That is untrue because of the following facts. XXXX says I owe XXXX Bank XXXX but they have in my credit report my highest balance was XXXX for XX/XX/2023. The account was closed XX/XX/2023. But in XX/XX/2023 it went to XXXX. Equifax says I owe XXXX XXXX for the account in question. However Equifax in their credit report have this ssame account also still open with a balance of XXXX and in good standing and updated this info on XX/XX/2023. So Equifax has the same account as closed and open. XXXX has the amount as XXXX. I have pointed out their inaccuracies and told them to remove them asap but they said they verified it. This can't be true because if they had investigated it they would have seen they are reporting differnt amounts and Equifax says the account is open and closed at the same time. One says late payment the other says in good standing. On another account with XXXX XXXX and Equifax says date of last activity as XX/XX/2023 but XXXX has date of last activity as XX/XX/2023. I sent all three of them letters disputing this inaccurate info but they only took 12 hrs to say it was verified, They offered no proof of verification or reason why they are reporting different amounts or why they Equifax is saying the same account is open and closed. This might not seem important to you however they are violating the law by reporting inaccurate information. I have suffered due to their misrepresentation of facts. How can one bureau say i owe XXXX when the say my high balance was XXXX in XXXX XXXX the account was closed XX/XX/XXXX but in XXXX the say the balance is XXXX. That's XXXX more dollars in one month and ity waqs after the account was closed. And Equifax showing on my credit report on this account as being late and closed and also in good standing and still open. They have to know this is inaccurate. They definitely are not following the FDCPA. They are being deceptive on both accounts and they know it.In the attachments I sent the one shows the account that says in good standing by Equifax and that is the account ending in XXXX showing a balance of XXXX the next picture shows the different amonuts they are rreportimg and its the same account ending in XXXX that equifax says in the first picture is in good standing but here they show it as closed with a balance od XXXX while XXXX shows an amount of XXXX. My credit limit was only XXXX. The last three pictures I uploaded is to show they are the same account Equifax is saing is opened and closed. The last picture shows trhe different dates of last activity they are reporting. And screenshot 110 shows inaccuracies. XXXX and XXXX say I have 4 open accountys and Equifax shows I have 8 open accounts. I have 5. They are reporting false in formation all throughout these credit reports. Credit rreports are supposed to be accurate above all and I've shown with pictures they are reporting different info to my detriment

Company response to consumer: Closed with explanation