Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX XXXX I mailed a certified letter to Equifax requesting they delete the accounts with inaccurate information on them. I sent the consumer reports with the inaccurate information on them. This is the second certified letter I have mailed to them. I asked Equifax to investigate every piece of information on the accounts I am inquiring about, and make sure all the information is it correct. Both times the accounts comes back verified. I asked Equifax to send me the procedure used to verify the accounts. They did not email or mail the information to me. I asked Equifax to send correspondence to me by mail and email. Equifax has not mailed me any correspondence as I requested. Equifax is furnishing inaccurate information. I want all these accounts with inaccurate information to be deleted from my consumer report. 
XXXX : Status ( Charge Off ) Payment History XXXX XXXX120 days late, XXXX XXXX 120 days late, XX/XX/XXXX XXXX120 day late : How can three months be 120 days late each? ( Charge Off ) XXXX XXXX XXXX XXXX ( charge Off ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all four months payment on time. How can this be a charge off and payment made on time : Inaccurate information delete this account. XXXX XXXX XXXX XXXX- 90 days late XXXX XXXX-120 days late, XXXX XXXX 120 days late : XX/XX/XXXX ( Charge Off ) XXXX XXXX-On time XXXX XXXXOn time, XXXX XXXXXXXX  On time, XXXX XXXX time, XXXX XXXXOn time, XXXX XXXX ( Charge Off ), XXXX XXXX ( Charge Off ), XXXX XXXX On time, XX/XX/XXXX ( Charge Off ) .How can there be a charge off one month then receive payments on time. Inaccurate information delete this account. XXXX XXXX XXXX : Status : ( Charge Off XXXX XXXX XXXX-120 day late, XXXX XXXX120 days late, XXXX XXXX days late, How can three months each be 120 days late? Inaccurate information delete the account from my consumer report. XXXX XXXX XXXX Status ( Charge Off ) XXXX XXXX-90 days late, XXXX XXXXXXXX120 days late, XXXX XXXX120 days late, XXXX XXXXXXXXOn time, XXXX XXXXOn time, JXXXX XXXX XXXX ON TIME : XXXX XXXX ( CHARGE OFF ) XXXX XXXX-ON TIME, XXXX XXXXXXXX ( Charge Off ), XXXX XXXXXXXX ( Charge Off ). How can this be? furnisher of inaccurate information delete this account. XXXX XXXX  : Status : ( Charge Off ) XXXX XXXX90 days late, XXXX XXXX120 days late, XXXX XXXX120 days late XXXX XXXX  ( charge Off ) XXXX XXXX ( Charge Off ), XXXX XXXX XXXX XXXX XXXXXXXXON TIME. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON Time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Charge Off ) How can this be correct? Inaccurate information delete the accountXXXX XXXX XXXX : Status ( Charge Off ) XXXX XXXX90 days late, XXXX XXXX XXXX XXXX XXXX XXXX  ( Charge Off ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( ON TIME ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ON TIME ), XX/XX/XXXX ( Charge Off ), XXXX ( Charge Off ) How can this be a Charge Off and Payment on time? Inaccurate information delete the account. XXXX XXXX : Status ( Charge Off ) XXXX XXXX90 days late, XXXX XXXX-120 days late, XXXX XXXX 120 days late, XX/XX/XXXX ( Charge Off ) How can you have two months each 120 days late? XXXX XXXX XXXX  : Status ( Charge Off ) XXXX XXXX90 days late, XXXX XXXX120 days late XXXX XXXX  120 days late, XXXX XXXX-120 days late, XXXX XXXXXXXX ( Charge Off ). How can this be? Delete the account. XXXX XXXX XXXX : Status ( Charge Off ) XXXX XXXX-90 days late, XXXX XXXX-120 days late, XXXX XXXX1-120 days late, XXXXt 120 days late, XX/XX/XXXX ( Charge Off ) Three months each 120 days late? Delete the inaccurate information. XXXX XXXX XXXX : Status ( Charge Off ) XXXX XXXX- 90 days late, XXXX XXXXXXXX ( Charge Off ) How can this be its not even 120 days and its Charge Off.How can this be? XXXX XXXX No Past due amount : On a collection account. Inaccurate delete this from my consumer report. Equifax is violating the law by not furnishing accurate information.

Company response to consumer: Closed with explanation