Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I am writing to dispute several inaccuracies and violations made by XXXX XXXX regarding my account number XXXX. After reviewing my credit reports from XXXX, XXXX, and Equifax, I discovered discrepancies in the information reported by the creditors. 

As per the Fair Credit Reporting Act ( FCRA ), Section 1681e, creditors have a duty to provide accurate information, but in my case, XXXX XXXX failed to do so. They also violated Section 1681i, which requires them to correct and investigate inaccuracies, and Section 1681s-2, which outlines their duties as furnishers of information to consumer reporting agencies. 

Furthermore, XXXX XXXX violated the Fair Debt Collection Practices Act ( FDCPA ) by engaging in false or misleading representations ( Section 807 ) and unfair practices ( Section 808 ). They also failed to validate my debts, which is a violation of Section 809.

Additionally, the Fair and Accurate Credit Transactions Act ( FACTA ) Section 312 requires the accuracy of consumer report information, and XXXX XXXX failed to comply with this provision. The Truth in Lending Act ( TILA ) Sections 1640 and 1641 were also violated by XXXX XXXX, as they failed to disclose required information and liability of assignees. 

The Real Estate Settlement Procedures Act ( RESPA ) Section 2605 was violated by XXXX XXXX 's failure to adequately service my mortgage loans and administration of escrow accounts. Moreover, the Equal Credit Opportunity Act ( ECOA ) Section 1691 was violated by their discrimination against me.

Lastly, the Fair Credit Billing Act ( FCBA ) Section 1666 was violated by their failure to promptly correct billing errors. 

XXXX XXXX I have found several violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) that I would like to bring to your attention. 

According to my credit report from XXXX, Equifax, and XXXX, XXXX reported inconsistent and inaccurate information. For instance, XXXX and Equifax reported a high credit of {$600.00}, while XXXX reported {$0.00}. Additionally, XXXX and XXXX reported a credit limit of {$300.00}, but Equifax reported {$0.00}. This inconsistency has caused confusion and frustration for me, and I believe it violates Section 1681e of the FCRA, which requires creditors to provide accurate information to credit reporting agencies. 

Furthermore, XXXX reported a Last Reported date of XX/XX/XXXX, but Equifax reported XX/XX/XXXX. This discrepancy also violates the FCRA, specifically Section 1681i, which requires creditors to investigate and correct any inaccuracies found in a credit report. 

Moreover, XXXX reported that the account was " Charged off as bad debt Dispute resolved ; reported by grantor, '' while XXXX reported the account was " in dispute- now resolved - reported by subscriber. Unpaid balance reported as a loss by credit grantor, '' and Equifax reported " Charged off account Charge. '' These conflicting reports not only violate Section 1681e but also Section 1681g, which outlines the specific information that should be included in a consumer report. 

In addition to these FCRA violations, I also found violations of the TILA. For example, XXXX, XXXX, and Equifax all reported different dates for the Last Active date, which is a clear violation of Section 1640. The inconsistency in the Last Active date has made it difficult for me to keep track of my credit history and has caused me undue stress. 

XXXX XXXX XXXX XXXXXXXX I have reviewed my credit reports from XXXX XXXX XXXX XXXX and Equifax XXXX and there are several discrepancies that are negatively impacting my creditworthiness and financial wellbeing. 

According to XXXX, the high credit reported bXXXX XXXX XXXX XXXX is {$3100.00}, while XXXX reports {$0.00} and Equifax reports {$160.00}. Additionally, XXXX and XXXX both report a credit limit of {$3000.00}, while Equifax reports {$0.00}. The last reported date also differs, with XXXX and XXXX reporting XX/XX/XXXX and Equifax reporting XX/XX/XXXX. 

These discrepancies are in violation of several sections of the Fair Credit Reporting Act ( FCRA ), including Section 1681e ( Duty to provide accurate information ), Section 1681g ( Contents of consumer reports ), and Section 1681i ( Duty to correct and investigate inaccuracies ). 

The inaccurate information being reported by XXXX XXXX XXXX is having a severe impact on my life. As a result of this negative information, I have been denied credit, including a car loan and a mortgage, which has prevented me from achieving my personal and financial goals. Additionally, the constant stress and anxiety caused by this situation have taken a toll on my mental health, affecting my relationships and ability to work effectively. 

XXXX XXXX XXXXXXXX According to XXXX XXXX XXXX, the account type was listed as a loan, but Equifax did not report this information. Additionally, XXXX reported that the date opened was XX/XX/XXXX, while XXXX and Equifax listed it as XX/XX/XXXX. XXXX also reported a high credit of {$880.00}, while XXXX listed it as {$660.00}, and Equifax reported {$870.00}. Furthermore, XXXX listed the last reported date as XX/XX/XXXX, while XXXX and Equifax listed it as XX/XX/XXXX and XX/XX/XXXX, respectively. 

According to XXXX, the account was charged off as bad debt, a profit and loss write-off, while the other two bureaus reported it as an unpaid balance reported as a loss by the credit grantor, and a charged-off account amount in high credit original charge-off amount. 

These discrepancies have significantly impacted my credit score and have made it difficult for me to secure loans, credit cards, and other financial products. I have suffered great emotional distress as a result of the negative impact on my financial well-being. 

The FCRA violations in this case include : -Section 1681b : Permissible purposes of consumer reports -Section 1681c : Requirements relating to information contained in consumer reports -Section 1681e : Duty to provide accurate information -Section 1681g : Contents of consumer reports -Section 1681i : Duty to correct and investigate inaccuracies -Section 1681s-2 : Duties of furnishers of information to consumer reporting agencies Specifically, I have found discrepancies in the reporting XXXX XXXXXXXX of my auto loan account by the three major credit reporting agencies : XXXX, XXXX, and Equifax. XXXX and XXXX report the account as an auto loan, but Equifax does not report it at all. Additionally, there are differences in the dates opened and the amounts past due reported by the different agencies. 

These discrepancies have had a significant impact on my credit score, which has made it difficult for me to access credit and obtain favorable interest rates. This has had a direct impact on my ability to purchase a home and provide for my family. 

I believe that the creditors have violated several sections of the FCRA, including Sections 1681c, 1681e, 1681g, and 1681s-2. These violations have caused significant harm to my credit profile and have resulted in inaccurate and incomplete reporting to the credit bureaus. 

XXXX XXXX I believe that these creditors have violated several laws, including Section 1681c, 1681e, 1681g, 1681i, and 1681s-2 of the Fair Credit Reporting Act ( FCRA ). 

Specifically, these creditors have provided inaccurate and inconsistent information to the credit reporting agencies, which has had a significant impact on my credit score and financial well-being. As a result of these inaccuracies, I have been denied credit and have had to pay higher interest rates on loans and credit cards. 

For example, XXXX XXXX has reported a past due amount of {$950.00} on my credit report with Equifax, while XXXX reports a past due amount of {$1100.00}. Additionally, XXXX has reported a student loan as a collection account, even though I have made all payments on time and in full. Finally, XXXX has reported inconsistent dates of account opening, last reported date, and date last active across multiple credit reporting agencies, as well as providing inconsistent information about the type of account and the status of the account. 

XXXX XXXX and XXXX. I believe that they have violated several sections of the Fair Credit Reporting Act. 

According to XXXX and XXXX credit reports, XXXX has reported that I was 120 days late on XX/XX/XXXX. However, I have not missed any payments on this account. Additionally, XXXX has reported a different date opened than XXXX for the same account. 

Furthermore, XXXX has reported a high credit balance of {$750.00}, while XXXX has not reported any high credit balance for the same account. 

In the case of XXXX, there are discrepancies in the reporting of the opening date, last reported date, and charged-off status of the account across multiple credit reporting agencies. 

These inaccuracies have greatly affected my life. As a result of these errors, my credit score has been negatively impacted, making it difficult for me to obtain loans or credit cards. This has caused me significant stress and anxiety, as I have been unable to obtain the financing necessary to pay for important life events, such as a new car or a down payment on a house. 

I am requesting that XXXX and XXXX immediately remove these unverified collection accounts from my credit report. I also ask that you enforce the legal requirements of the Fair Credit Reporting Act, including Sections 1681c, 1681e, 1681g, 1681i, and 1681s-2, to ensure that accurate information is reported on my credit report. 

XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) with the account number XXXX. I have noticed inconsistencies in the dates provided by XXXX and Equifax, which have resulted in inaccurate information being reported on my credit report. 

According to XXXX, the Date Opened for this account is XX/XX/XXXX, while Equifax reports it as XX/XX/XXXX. Similarly, XXXX is reporting the Last Reported date as XX/XX/XXXX, while Equifax reports it as XX/XX/XXXX. Additionally, XXXX reports that the Date Last Active is XX/XX/XXXX, while Equifax reports it as XX/XX/XXXX. 

These inconsistencies are a violation of Section 1681c and Section 1681g of the Fair Credit Reporting Act ( FCRA ), which require that consumer reports contain accurate and complete information about the dates of account opening, last reported date, and date last active. 

XXXX XXXX regarding account # XXXX. According to my credit report from XXXX, the payment status is listed as Collection/Chargeoff. However, I have never received any notification from XXXX XXXX regarding this collection/chargeoff account, and they have never provided me with any documentation or paperwork. Additionally, the other two credit bureaus are not reporting any negative information on my account. 

Furthermore, I believe that XXXX XXXX  has violated the Fair Debt Collection Practices Act ( FDCPA ) by falsely representing the character, amount, or legal status of the debt. Specifically, they have not provided me with a validation notice as required by Section 1692g ( a ) of the FDCPA within five days of their initial communication with me. This notice should include the amount of the debt, the name of the creditor, and a statement explaining my rights to dispute the debt. 

Additionally, XXXX XXXX is violating Section 1681c of the Fair Credit Reporting Act ( FCRA ) by reporting a collection/chargeoff status without providing proper notification or documentation. This is causing significant damage to my credit score and is affecting my ability to obtain credit, which has had a profound impact on my life. 

XXXX XXXX, the debt collector for XXXX. I have noticed several inconsistencies in the information reported by XXXX and XXXX regarding the account number XXXX. 

Firstly, XXXX reported that the date opened for this account was XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX. Moreover, the date last active for this account was reported as XX/XX/XXXX by XXXX, while XXXX reported it as XX/XX/XXXX. In addition, XXXX reported that the account information was disputed by me, while XXXX reported it as customer disputed account - reported by subscriber. These inconsistencies raise serious concerns about the accuracy of the information reported by these credit bureaus. 

Furthermore, I believe that XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) by using unfair means to collect or attempt to collect the debt. The inconsistent information on my credit report has caused me significant distress and anxiety, and has negatively affected my ability to secure loans, credit cards, and even employment. 

I have reviewed the credit reports from XXXX, Equifax, and XXXX and found multiple errors that violate federal law. 

The account in question is with XXXX XXXX, the original creditor being XXXX  XXXX, with an account number of XXXX. The date opened on XXXX and Equifax is XX/XX/XXXX and on XXXX, it is XX/XX/XXXX. Additionally, the last reported date on XXXX and Equifax is XX/XX/XXXX, while it is XX/XX/XXXX on XXXX. Furthermore, the last active date on XXXX is XX/XX/XXXX, while it is XX/XX/XXXX on XXXX and XX/XX/XXXX on Equifax. These inconsistencies violate Section 1681c and 1681g of the Fair Credit Reporting Act ( FCRA ). 

I am deeply affected by these errors as they are affecting my ability to access credit and loans. I have been denied credit due to these errors, and this has caused me significant financial distress. I have been struggling to pay for basic necessities, such as rent and utilities, and it has affected my mental health as well. These errors have caused me undue stress and hardship, and I am requesting immediate action to be taken. 

Therefore, I request that XXXX XXXX removes this unverified collection account from my credit report, as it is a violation of the FCRA. I also request that you investigate this matter and enforce the legal requirements under Section 1681c and 1681g of the FCRA. I trust that you will take swift action and resolve this matter as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation