Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Re : Letter to Dispute and Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXX [ Closed Account ] Account Number : Account number listed under Social Security Number Reason : I never had access to all my money in the account. I was told by XXXX XXXX and Representatives of Debt collection agencies alike that due to errors and poor accounting of payment information ; That were documented. That the account would be reported as satisfied and all late payment would be removed and/or marked as NR ( Not Reported ) or UNKNOWN. This never took place but the various representatives stated this on the phone. The Balance information is inaccurate ( See Below Details ). Please also review the attached documentation. 

The issues in Detail : 1. The balance of the account is wrong. 
Is Reported incorrect as line of Credit and both Credit Card. 
2. Per documentation this account reports to all 3 credit reporting agencies. However, they stated because of error on their system they would fix data on all 3 reporting agencies.

They properly put the information in the XXXX. But not on the other 2 reporting agencies.

3. I was not able to access the funds in which I paid Behalf. 
4. Account paid in Full on XX/XX/XXXX. They report Account paid off in XXXX. 
This proves the incorrect accounting. 
Confirmation # : XXXX {$390.00} Contact : XXXX PAID IN FULL on XX/XX/XXXX 5. Payments were made in XXXX and XXXX of XXXX and they did not report this. 

6. Account total before fees for collections are incorrect. 
The account Balance was $ XXXX. The Credit Card company used illegal tactics to use my Secured Credit-Card balance and reduced my account to XXXX dollars. 
The report that they account was {$900.00}. This is inaccurate and a statement of all amounts deposited to this account will account for this inaccurate information 7. I was denied usage of my Payment Protection plan. 
I paid for this plan, I called in and asked them to activate it. They denied me. I also furnished this information to XXXX XXXX. 
8. I was not able to pay the bill to XXXX XXXX. This is a scam and fraud. 
They sold the debt to someone. When I called in on multiple occasions to make payment before the debt was sold I was told it was sold. This put me in a situation where I could not pay my bill even though the debt was not sold. 
9. Bank error s related to who they sold the debt to. No information on who they sold the debt too when I called Documentation will show there is inaccurate reporting on who the debt was sold to. 
This is fraud and illegal. 
I would call and they give me incorrect info on who to contact to pay. This caused late fees. I was not able to pay them. And them not having the company who had the debt caused situations as well that were fraudulent. And original date as well cause more situations. 
This created a situation where I could not contact the debt collector they would not have the debt. Call XXXX XXXX XXXX Credit Card and state concern and they would say it nothing they can do. But inturn I was charge more fees. 
10. Would not produce documentation showing my previous payments to show that I had a higher balance. 
My Mother helped me make payments that were not applied to the account. 
They did not have the payment information to be released which is another reason why I say the debt is invalid. 


By the provisions of the Fair Credit Reporting Act, I seek that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. There was also issues with the amounts reported with the account I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely,

Company response to consumer: Closed with explanation