Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax, this is my last warning regarding XXXX bank account. I have already disputed this account but it seems like you dont care! I am ready to sue you! I have already filled out the form to sue you in federal court, I have attached it to this letter, this is the last warning that I am sending. how can an account be closed and active at the same time??!!! This is impossible. Its either closed or active not both at the same time! The XXXX bank account has been closed on XXXX XXXX. I have attached the letter that I have received from XXXX stating that the account was closed on XXXX XXXX and could no longer be used for purchases. How come the account is active after the date it has been closed. It should have been marked as closed on my payment history since XXXX XXXX but you continued to mark it active, and even reported a late payment several months ( 7 months ) after the account has been closed. How can an account that has already been closed, be late after the closing date??!! This is inaccurate it was already closed!!! Again my payment history starting from XXXX XXXX should have shown closed instead of on time or late, it should have just shown closed Because it is no longer active! In addition to that there are different dates of last activity and different information among the credit bureaus for the same account. The law is very clear!! An account on someones credit report has to be 100 % accurate not 90 %, not 80 % but 100 % accurate or it should be removed from the credit report. XXXX bank account on my credit report is very inaccurate. There are so many inaccuracies with this account. Just to name a few : account was closed but active several months after the closing date, date of last activity is different among credit bureaus, for some credit bureaus the limit on the account is {$5000.00} for others it {$0.00} and the list goes on like I said I am ready to sue you in federal court. I am only writing you to show the judge that I have tried to fix the issue with you more than once, indeed I keep track of all communication with you and this is the second one regarding this matter but you deliberately decided to ignore my request and gave me dumbest response information verified. Just think for second : How come Equifax says something, XXXX says something else and XXXX says something different than both of you, for the same account. You dont need to be XXXX to understand that it is inaccurate. Just open your eyes there are clearly conflicting information between the credit bureaus for the same account. Yet the only answer you gave me was : information verified. You either didnt investigate properly and didnt look at the evidence I have attached to my first dispute or you got to be out of your mind to write something stupid like this. Nevertheless, I am suing for deliberately keeping inaccurate information on my credit report. I have attached to this mail, the letter from the federal district court. The ball is in your court now. Remove immediately XXXX bank from my credit report for inaccuracies and I will drop the case, otherwise I will see you in court. You will be responsible for my attorney fees, the court fees and I will also seek statutory damages and punitive damages ( since I am in a process of buying a house but your inaccurate information is preventing me to do so ). 
Remove immediately XXXX bank from my credit report!!

Company response to consumer: Closed with explanation