Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: GA
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:
This is a dispute and request for the correction of account information regarding Account Number : XXXX Date Reported : XX/XX/XXXX, Date Assigned : XX/XX/XXXX, Creditor : XXXX XXXX Original Amount : {$110.00}, Status Date : XX/XX/XXXX, Balance Date : XX/XX/XXXX Account Number ending in XXXX, that is currently being reported. After a thorough review of my credit report, I have identified discrepancies that I believe warrant immediate attention and resolution. First and foremost, I contest the accuracy of the reported balance on this account. According to the information you have provided, the account 's balance is stated as {$110.00}. However, I have reason to believe that this balance is incorrect and should instead be reported as XXXX ( {$0.00} ). The details provided in the account information suggest that this account has not been paid and remains unpaid since the date of the first delinquency in XX/XX/XXXX. This assertion is incorrect, as I have not only fulfilled my obligations on this account but also have documentation to support that the account was resolved and closed with a XXXX balance. Furthermore, upon reviewing the results of your investigation, it appears that certain fields have been modified, including " ADDITIONAL INFORMATION, '' " STATUS DATE, '' and " BALANCE DATE. '' It is imperative that these modifications accurately reflect the true and correct information associated with this account. Any inaccurate or misleading information can have a severe impact on my creditworthiness and financial reputation. I kindly request that you take the following actions : Correction of Reported Balance : Please update the reported balance of the account XXXX to reflect a XXXX balance, as the account has been properly settled and closed. Deletion and Removal of Incorrect Information : Considering the inaccuracies in the reported information, I respectfully request that you delete and remove the erroneous account details from my credit report altogether. The information provided is damaging to my credit history and is not a true representation of my financial standing. Confirmation of Correction : Once the corrections and removal have been made, I kindly request that you provide me with written confirmation of the changes. This confirmation will serve as documentation of the resolution of this matter. I would like to remind you that the Fair Credit Reporting Act ( FCRA ) mandates the accurate reporting of consumer credit information. Inaccurate, incomplete, or unverifiable information must be corrected or removed promptly to ensure the integrity of credit reporting. I kindly ask for your prompt attention to this matter, as the erroneous reporting of this account has the potential to adversely affect my financial and personal well-being. I anticipate your timely response within 30 days as required by law. Thank you for your assistance in resolving this matter. I look forward to your prompt action.

Company response to consumer: Closed with explanation