Consumer complaint received 2023-08-16
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: Account status incorrect

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I sent letters to Equifax, XXXX, and XXXX asking for validation of the negative items on my credit profile. I requested proof of late payments, account validation documents, and proof of ownership by the company. To this day, these accounts have not been verified but are still reporting on my credit profile. 

Per the FCRA, these results were supposed to be provided within 30 days of receiving my request or the accounts be deleted and/or updated per my request. As of right now, Equifax, XXXX, and XXXX are in violation of the FCRA and the law. 

The accounts in question along with my instruction are as follows : XXXX : 1. I've recently sent several letters asking who validated this account as it has a negative balance but has been marked as " written off. '' I'm asking to either please respond with your answer or please delete it. 
XXXX XXXX Account Number : XXXX After several months of letters if you continue to ignore my request then please delete this account 2. I've recently sent several letters asking who validated this account as it has a negative balance but has been marked as " written off. '' I'm asking to either please respond with your answer or please delete it. 
XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX After several months of letters if you continue to ignore my request then please delete this account XXXX. Please provide evidence of when these payments were accepted into your payment system versus when they were due. 
XXXX XXXX XXXX  Account Number : XXXX If you unable to provide this evidence as requested, please remove all late payments and update payment status to current. 
4. Please provide evidence of when these payments were accepted into your payment system versus when they were due. 
XXXX Account XXXX : XXXX If you unable to provide this evidence as requested, please remove all late payments and update payment status to current. 
5. I've recently sent several letters asking who validated this account as it has a negative balance but has been marked as " written off. '' I'm asking to either please respond with your answer or please delete it. 
XXXX  XXXX Account Number : XXXX After several months of letters if you continue to ignore my request then please delete this account XXXX. Please provide evidence of when these payments were accepted into your payment system versus when they were due. 
XXXX XXXX XXXX Account Number : XXXX If you unable to provide this evidence as requested, please remove all late payments and update payment status to current. 
7. I've recently sent several letters asking who validated this account as it has a negative balance but has been marked as " written off. '' I'm asking to either please respond with your answer or please delete it. 
XXXX Account Number : XXXX After several months of letters if you continue to ignore my request then please delete this account XXXX. I would appreciate it if you could offer evidence that I have an account with you. I do not have one believe that this is a mistake that has been reported. 
XXXX  Account Number : XXXX If you are unable to produce evidence that I have an account with you then I respectfully ask that you delete it. 
9. I would appreciate it if you could offer evidence that I have an account with you. I do not have one believe that this is a mistake that has been reported. 
XXXX XXXXXXXX  Account Number : XXXX If you are unable to produce evidence that I have an account with you then I respectfully ask that you delete it. 

XXXX : 1. I've recently sent several letters asking who validated this account as it has a negative balance but has been marked as " written off. '' I'm asking to either please respond with your answer or please delete it. 
XXXX XXXX Account Number : XXXX After several months of letters if you continue to ignore my request then please delete this account 2. I've recently sent several letters asking who validated this account as it has a negative balance but has been marked as " written off. '' I'm asking to either please respond with your answer or please delete it. 
XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX After several months of letters if you continue to ignore my request then please delete this account 3. Please provide evidence of when these payments were accepted into your payment system versus when they were due. 
XXXX XXXX XXXX  Account Number : XXXX If you unable to provide this evidence as requested, please remove all late payments and update payment status to current. 
4. Please provide evidence of when these payments were accepted into your payment system versus when they were due. 
XXXX XXXX XXXX  Account Number : XXXX If you unable to provide this evidence as requested, please remove all late payments and update payment status to current. 
5. Please provide evidence of when these payments were accepted into your payment system versus when they were due. 
XXXX Account Number : XXXX If you unable to provide this evidence as requested, please remove all late payments and update payment status to current. 
6. I've recently sent several letters asking who validated this account as it has a negative balance but has been marked as " written off. '' I'm asking to either please respond with your answer or please delete it. 
XXXX  XXXX Account Number : XXXX After several months of letters if you continue to ignore my request then please delete this account 7. Please provide evidence of when these payments were accepted into your payment system versus when they were due. 
XXXX XXXX XXXX Account Number : XXXX If you unable to provide this evidence as requested, please remove all late payments and update payment status to current. 
8. I would appreciate it if you could offer evidence that I have an account with you. I do not have one believe that this is a mistake that has been reported. 
XXXX XXXX  Account Number : XXXX If you are unable to produce evidence that I have an account with you then I respectfully ask that you delete it. 

Equifax : 1. I've recently sent several letters asking who validated this account as it has a negative balance but has been marked as " written off. '' I'm asking to either please respond with your answer or please delete it. 
XXXX XXXX Account Number : XXXX After several months of letters if you continue to ignore my request then please delete this account 2. I've recently sent several letters asking who validated this account as it has a negative balance but has been marked as " written off. '' I'm asking to either please respond with your answer or please delete it. 
XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX After several months of letters if you continue to ignore my request then please delete this account XXXX. Please provide evidence of when these payments were accepted into your payment system versus when they were due. 
XXXX XXXX XXXX Account Number : XXXX If you unable to provide this evidence as requested, please remove all late payments and update payment status to current. 
4. Please provide evidence of when these payments were accepted into your payment system versus when they were due. 
XXXX XXXX XXXX Account Number : XXXX If you unable to provide this evidence as requested, please remove all late payments and update payment status to current. 
5. Please provide evidence of when these payments were accepted into your payment system versus when they were due. 
XXXX Account Number : XXXX If you unable to provide this evidence as requested, please remove all late payments and update payment status to current.

6. I've recently sent several letters asking who validated this account as it has a negative balance but has been marked as " written off. '' I'm asking to either please respond with your answer or please delete it. 
XXXX  XXXX Account Number : XXXX After several months of letters if you continue to ignore my request then please delete this account XXXX. Please provide evidence of when these payments were accepted into your payment system versus when they were due. 
XXXX XXXX XXXX Account Number : XXXX If you unable to provide this evidence as requested, please remove all late payments and update payment status to current. 
8. I've recently sent several letters asking who validated this account as it has a negative balance but has been marked as " written off. '' I'm asking to either please respond with your answer or please delete it. 
XXXX Account Number : XXXX After several months of letters if you continue to ignore my request then please delete this account 9. I would appreciate it if you could offer evidence that I have an account with you. I do not have one believe that this is a mistake that has been reported. 
XXXX XXXX Account Number : XXXX If you are unable to produce evidence that I have an account with you then I respectfully ask that you delete it. 
10. I would appreciate it if you could offer evidence that I have an account with you. I do not have one believe that this is a mistake that has been reported. 
XXXX  Account Number : XXXX If you are unable to produce evidence that I have an account with you then I respectfully ask that you delete it.

Company response to consumer: Closed with explanation