Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally dispute and seek correction of an entry on my credit report concerning an account that has been included in bankruptcy, marked as a charge-off, and listed as a public record. The information on this account is incorrect, and its presence on my credit report is unjustly affecting my financial standing. 

The account in question was included in a bankruptcy proceeding, and it should reflect this status accurately on my credit report. However, it is inaccurately listed as an open and active account, which does not align with the bankruptcy 's disposition. This incorrect information is causing considerable damage to my credit score and financial credibility. 

The account is also marked as a charge-off, despite being discharged through bankruptcy. This charge-off status is misleading and falsely represents my financial history, as the debt was legally discharged and should no longer be reported as outstanding or delinquent. 

Additionally, this account is listed as a public record, which is not accurate. The public record entry is creating further harm to my creditworthiness, as there is no legitimate basis for such a listing. 

I kindly request your immediate attention to investigate and rectify these inaccuracies on my credit report. I expect a thorough review of the information I have provided and prompt correction of these errors. I also request written updates on the progress of this dispute and the results of your investigation. 

I understand the importance of maintaining accurate credit reports and am committed to restoring my financial integrity. It is essential that this account is reported correctly to reflect its inclusion in bankruptcy and the discharge of associated debts. I am asking for your assistance to correct or remove the following accounts : XXXX XXXX XXXX XXXX XXXX Kindly furnish me with substantiating documentation confirming the validity of the account in question on my credit report, while ensuring that my rights have not been infringed. In the absence of such evidence, I request an immediate update of this detrimental account. 
XXXX XXXX XXXX XXXX XXXX XXXX I insist on receiving proper documentation that unequivocally demonstrates the legitimacy of the account 's presence on my credit report and affirms that my rights have not been violated. Failure to provide such evidence will result in the immediate deletion of this prejudicial information. 
XXXX XXXX XXXX XXXX XXXX The item on my report is inaccurate. The account is closed with a XXXX balance, yet it's reported as past due. Please fix this immediately. Either provide proof that you haven't reported false information or remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX This report is incorrect. The account in question is closed with a XXXX balance, but it's reported as past due. This needs to be corrected without delay. If you haven't reported false information, please provide evidence, otherwise, remove it. 
XXXX XXXX XXXX XXXX XXXX  Your poor record-keeping is apparent as the reported item is marked as overdue despite being closed with a XXXX balance. This account was paid off, closed, and inactive, thus should have been marked as PAID. Please verify and correct this information or remove the item if you can not provide proof that it was reported correctly. 
XXXX XXXX XXXX XXXX XXXX} It is completely unacceptable that this account has been designated as a charged-off account, yet there is still a balance present on the statement. Explain to me immediately why this inconsistency exists. The balance is unequivocally erroneous, and I demand that you rectify the issue by either setting it to XXXX or removing the item entirely. 
XXXX XXXX XXXX : {$0.00} It has come to my attention that charge off accounts with a XXXX balance are still being reported on my credit file. As these accounts have already been paid in full, I demand that you investigate and remove the charge off status to prevent further harm to my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX I am deeply concerned about the accounts with still a balance that are still appearing on my credit report. To avoid any negative impact on my credit score, I urge you to investigate and remove the charge off status immediately.

Company response to consumer: Closed with non-monetary relief