Consumer complaint received 2022-09-24
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 information incorrect

Complaint:
I have sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 requesting validation of the following accounts. The bureaus have failed to verify these accounts as requested and that is a violation of the FCRA. The accounts and reasons are listed as follows : XXXX XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately. 

XXXX XXXX This account is reporting as a collection account, but I was never late on this account. I have asked for the statements verifying this account was paid late and now in collections, but I have not received any verifying documents. Please delete this account immediately. 

XXXX XXXX XXXX I was never late in paying this account and the creditor has failed to provide me with a statement verifying these late payments. I am requesting all late payments be removed from this account. 

XXXX XXXX  XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately. 

XXXX XXXX XXXX This collection account is reporting a Past Due Amount. A collection account can not have a past due balance which means this account is not accurate and is a violation of the FCRA. Please delete this account immediately. 

XXXX XXXX XXXX This collection account is reporting a Past Due Amount. A collection account can not have a past due balance which means this account is not accurate and is a violation of the FCRA. Please delete this account immediately. 



XXXX XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately. 

XXXX  XXXX This collection account is reporting a Past Due Amount. A collection account can not have a past due balance which means this account is not accurate and is a violation of the FCRA. Please delete this account immediately. 

XXXX XXXX XXXX XXXX This account is reporting late payments and I am sure I have never been late. I requested proof of the late payments in the form of a statement, and it has not been provided. Since these late payments can not be verified, I am requesting the late payments be removed immediately. 

XXXX XXXX XXXX XXXX This account is reporting late payments and I am sure I have never been late. I requested proof of the late payments in the form of a statement, and it has not been provided. Since these late payments can not be verified, I am requesting the late payments be removed immediately. 

XXXX XXXX XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately. 

XXXX XXXX This collection account is reporting a Past Due Amount. A collection account can not have a past due balance which means this account is not accurate and is a violation of the FCRA. Please delete this account immediately. 


XXXX XXXX This account is reporting as a collection account and an open account at the same time. Per the FCRA, all accounts must be 100 % accurate to report on my credit profile. Since this account is reporting as both open and in collections, this is a violation. Please delete this account immediately. 

XXXX XXXX This account is reporting as a collection account and an open account at the same time. Per the FCRA, all accounts must be 100 % accurate to report on my credit profile. Since this account is reporting as both open and in collections, this is a violation. Please delete this account immediately. 

XXXX  XXXX XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately. 

XXXX XXXX  XXXX This account is reporting as a collection account and an open account at the same time. Per the FCRA, all accounts must be 100 % accurate to report on my credit profile. Since this account is reporting as both open and in collections, this is a violation. Please delete this account immediately. 

XXXX XXXX XXXX This account is reporting as a collection account and an open account at the same time. Per the FCRA, all accounts must be 100 % accurate to report on my credit profile. Since this account is reporting as both open and in collections, this is a violation. Please delete this account immediately. 

XXXX XXXX This account is reporting as a collection account and an open account at the same time. Per the FCRA, all accounts must be 100 % accurate to report on my credit profile. Since this account is reporting as both open and in collections, this is a violation. Please delete this account immediately. 


XXXX XXXX XXXX XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately. 

XXXX XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately. 

No Account XXXX XXXX XXXX is this account reporting as accurate when it is incomplete and does not list a creditor at all. This is an FCRA violation. Please delete immediately. 

XXXX XXXX  XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately. 

XXXX XXXX XXXX XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately. 

XXXX XXXX This account is reporting as a collection account and an open account at the same time. Per the FCRA, all accounts must be 100 % accurate to report on my credit profile. Since this account is reporting as both open and in collections, this is a violation. Please delete this account immediately. 



XXXX XXXX XXXX XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately. 

XXXX XXXX XXXX XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately.

Company response to consumer: Closed with explanation