Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted Equifax to resolve issues in which incorrect account information or status is being reported on my credit report without proper resolution to date. 

To follow is a recap of the issues I have disputed : XXXX XXXX XXXX account ending XXXX opened on XX/XX/XXXXXXXX  : payment history information is missing for last three ( 3 ) years of activity, high credit is missing, credit limit is missing, terms frequency is incorrect, balance is missing, amount past due is missing, actual payment amount is missing, date of last activity is missing, activity number of months reviewed is incorrect, date of first delinquency is incorrect ( account was current at that time ), date of last payment is missing, scheduled payment amount is missing, delinquency first reported date is missing, charge off amount is missing ; XXXX XXXX XXXX account ending XXXX opened on XX/XX/XXXX : account is incorrectly classified as other account ( the account should be classified as revolving or credit card account ), payment history information is missing for last three ( 3 ) years of activity, high credit is missing, credit limit is missing, terms frequency is incorrect, balance is missing, amount past due is missing, actual payment amount is missing, date of last activity is missing, number of months reviewed is incorrect, activity designator is missing, loan type is missing, account type is incorrect, date of first delinquency is incorrect ( account was current at that time ), date of last payment is missing, scheduled payment amount is missing, delinquency first reported date is missing, charge off amount is missing, date closed is missing ; XXXX XXXX ending XXXX opened on XX/XX/XXXX : account is incorrectly classified as other account ( revolving / credit card account ), payment history information is missing for last three ( 3 ) years of activity, high credit is missing, credit limit is missing, terms frequency is incorrect, balance is missing, amount past due is missing, actual payment amount is missing, date of last activity is missing, number of months reviewed is incorrect, activity designator is missing, loan type is missing, owner is incorrect, account type is incorrect, date of first delinquency is incorrect ( account was current at that time and had a zero balance ), date of last payment is missing, scheduled payment amount is missing, delinquendelinquency first reported date is missing, charge off amount is missing, date closed is missing ; In addition to the above items, please note that I have requested debt validation from the Collection Agency noted under the Collections section of the report. As a result, please add comment that said account is being disputed by me currently and conduct necessary procedures to verify. 

Under the provisions of the Fair Credit Reporting Act, I requested that these items be investigated, updated, corrected, or added to my report as appropriate. 

I also requested Equifax send back an updated copy of my credit report to the above address. Additionally, I requested that Equifax send notices of corrections to anyone who received my credit report in the past six months.

Company response to consumer: Closed with explanation