Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my extreme frustration and dissatisfaction with the numerous attempts I have made to correct late open accounts and remove late close and charge-off accounts from my credit report. These inaccuracies have significantly affected my credit score and financial well-being. 

I have repeatedly attempted to correct the inaccuracies in my credit report regarding late open accounts. These late open accounts do not accurately represent my credit history, as I have always been diligent in making timely payments on my open accounts. Despite my repeated efforts to resolve this issue by contacting the respective creditors and submitting dispute letters, the late open accounts continue to tarnish my credit history. 

Additionally, I have encountered difficulties in removing late close and charge-off accounts that have affected my credit report. These entries inaccurately reflect my financial history and have caused significant damage to my creditworthiness. I have submitted supporting documentation and information to demonstrate that these entries should be corrected or removed, but the issue persists, negatively impacting my financial prospects. 

I kindly request your immediate attention to investigate and rectify these inaccuracies on my credit report. I expect a thorough review of the information I have provided and prompt resolution of these errors. I also request written updates on the progress of this dispute and the results of your investigation. 

I understand the importance of accurate credit reporting and am committed to restoring my financial integrity. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and will take any necessary legal actions if these discrepancies are not resolved promptly. I hope such actions will not be required and that we can work together to rectify these inaccuracies. I am asking for your assistance to correct or remove the following accounts : XXXX XXXX XXXX Balance Owed : {$0.00} Kindly furnish me with substantiating documentation confirming the validity of the account in question on my credit report, while ensuring that my rights have not been infringed. In the absence of such evidence, I request an immediate update of this detrimental account. 
XXXX XXXX XXXX XXXX : {$0.00} I insist on receiving proper documentation that unequivocally demonstrates the legitimacy of the account 's presence on my credit report and affirms that my rights have not been violated. Failure to provide such evidence will result in the immediate correction of this prejudicial information. 
XXXX XXXX XXXX XXXX : {$0.00} The item on my report is inaccurate. The account is closed with a XXXX balance, yet it's reported as past due. Please fix this immediately. Either provide proof that you haven't reported false information or remove it. 
XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} This report is incorrect. The account in question is closed with a XXXX balance, but it's reported as past due. This needs to be corrected without delay. If you haven't reported false information, please provide evidence, otherwise, remove it. 
XXXX XXXXXXXX XXXX Balance Owed : {$0.00} Your poor record-keeping is apparent as the reported item is marked as overdue despite being closed with a XXXX balance. This account was paid off, closed, and inactive, thus should have been marked as PAID. Please verify and correct this information or remove the item if you can not provide proof that it was reported correctly. 
XXXX XXXX  XXXX Balance Owed : {$710.00} It is completely unacceptable that this account has been designated as a charged-off account, yet there is still a balance present on the statement. Explain to me immediately why this inconsistency exists. The balance is unequivocally erroneous, and I demand that you rectify the issue by either setting it to XXXX or removing the item entirely. 
XXXX XXXX XXXX XXXX : {$0.00} It has come to my attention that charge off accounts with a XXXX balance are still being reported on my credit file. As these accounts have already been paid in full, I demand that you investigate and remove the charge off status to prevent further harm to my credit score. 
XXXX XXXX XXXXXXXX XXXX Owed : {$79.00} I am deeply concerned about the charge off accounts with still a balance that are still appearing on my credit report. To avoid any negative impact on my credit score, I urge you to investigate and remove the charge off status immediately. 
XXXX XXXX XXXX XXXX : {$0.00} Please be advised that the charge off accounts on my credit file are still being reported with a XXXX balance. I request that you investigate and correct this inaccuracy as soon as possible to prevent any further damage to my credit score.

Company response to consumer: Closed with non-monetary relief