Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern : This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 
XXXX XXXX Equifax Equifax 2 Year Payment History OK OK OK OK OK OK XXXX XXXX OK OK OK XXXX OK OK XXXX OK OK OK OK OK Account # : XXXX Account Description : Individual Account Status : Open Account Type : Revolving Balance Owed : {$450.00} Credit Limit : {$0.00} Creditor Remarks : Consumer disputes this account information Credit card Creditor Type : Credit Card Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$500.00} Last Payment : XX/XX/XXXX Past Due Amount : {$0.00} Payment Amount : {$32.00} Payment Status : Current Term Length : XXXX XXXX Equifax Equifax 2 Year Payment History OK OK OK OK OK OK OK XXXX OK OK OK OK OK XXXX OK OK OK OK OK OK OK Account # : XXXX Account Description : Joint Account Status : Open Account Type : Installment Balance Owed : {$2800.00} Credit Limit : {$0.00} Creditor Remarks : Auto Fixed rate Creditor Type : Auto Loan Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$10000.00} Last Payment : XX/XX/XXXX Past Due Amount : {$0.00} Payment Amount : {$320.00} Payment Status : Current Term Length : XXXX XXXX Equifax Equifax 2 Year Payment History OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Account # : XXXX Account Description : Individual Account Status : Paid Account Type : Installment Balance Owed : {$0.00} Credit Limit : {$0.00} Creditor Remarks : Reaffirmation of debt Closed or paid account/zero balance Creditor Type : - Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$14000.00} Last Payment : XX/XX/XXXX Past Due Amount : {$0.00} Payment Amount : {$0.00} Payment Status : Late 30 Days Term Length : XXXX XXXX XXXX Equifax Equifax 2 Year Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK Account # : XXXX Account Description : Individual Account Status : Transferred Account Type : Installment Balance Owed : {$0.00} Credit Limit : {$0.00} Creditor Remarks : Account transferred or sold Student loan Creditor Type : Educational Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$2600.00} Last Payment : XX/XX/XXXX Past Due Amount : {$0.00} Payment Amount : {$0.00} Payment Status : Late 120 Days Term Length : XXXX XXXX Equifax Equifax 2 Year Payment History OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK Account # : XXXX Account Description : Individual Account Status : Derogatory Account Type : Revolving Balance Owed : {$530.00} Credit Limit : {$0.00} Creditor Remarks : Charged off account Credit card Creditor Type : Credit Card Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$530.00} Last Payment : XX/XX/XXXX Past Due Amount : {$530.00} Payment Amount : {$0.00} Payment Status : Collection/Chargeoff Term Length : XXXX XXXX XXXX Equifax Equifax 2 Year XXXX History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK Account # : XXXX Account Description : Individual Account Status : Transferred Account Type : Installment Balance Owed : {$0.00} Credit Limit : {$0.00} Creditor Remarks : Account transferred or sold Student loan Creditor Type : Educational Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$5500.00} Last Payment : XX/XX/XXXX Past Due Amount : {$0.00} Payment Amount : {$0.00} Payment Status : Late 120 Days Term Length XXXX XXXX XXXX XXXX Equifax Equifax 2 Year Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK Account # : XXXX Account Description : Individual Account Status : Transferred Account Type : Installment Balance Owed : {$0.00} Credit Limit : {$0.00} Creditor Remarks : Account transferred or sold Student loan Creditor Type : Educational Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$4000.00} Last Payment : XX/XX/XXXX Past Due Amount : {$0.00} Payment Amount : {$0.00} Payment Status : Late 120 Days Term Length : XXXX XXXX XXXX Equifax Equifax 2 Year Payment History Account # : XXXX Account Description : Individual Account Status : Derogatory Account Type : Installment Balance Owed : {$0.00} Credit Limit : {$0.00} Creditor Remarks : Bankruptcy XXXX XXXX Secured Included in bankruptcy Creditor Type : Secured loan Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$0.00} Last Payment : XX/XX/XXXX Past Due Amount : {$0.00} Payment Amount : {$0.00} Payment Status XXXX Unknown Term Length XXXX XXXX Bankruptcy Equifax Equifax Asset Amount : {$0.00} Closing Date : - Court : Federal Date Filed/Reported : XX/XX/XXXX Exempt Amount : {$0.00} Liability : {$0.00} Reference XXXX : XXXX Remarks : - Status : Discharged Type : XXXX XXXX Bankruptcy The information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. 
Once again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Sincerely XXXX XXXX XXXX XXXX Please send your written response to my address of 60 A XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with non-monetary relief