Consumer complaint received 2022-01-02
Company: EQUIFAX, INC.
State: AL
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:
sent letters on XX/XX/XXXX about discrepancies on my credit report and I have not heard anything further. The credit companies are not complying with their own policies in a timely manner. This complaint is regarding XXXX, XXXX and Equifax. I wrote to dispute the following information that appears on my Equifax report on XX/XX/XXXX : XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Delete this account for inaccuracies because XXXX shows Date Last Active : XX/XX/XXXX, XXXX shows Date Last Active : XX/XX/XXXX, and Equifax shows Date Last Active : XX/XX/XXXX. You can't report different dates and years. It's imperative that this be accurate because it determines when the account naturally falls off. XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} Delete this account for inaccuracies because XXXX shows Date Last Active : XX/XX/XXXX, XXXX XXXX Date Last Active : XX/XX/XXXX, and Equifax XXXX Date Last Active : XX/XX/XXXX. You can't report different dates and years. It's imperative that this be accurate because it determines when the account naturally falls off. XXXX XXXX XXXX with Account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Delete this account for inaccuracies because the required notice of dispute was not entered within a time frame of 30 days from the date you first received my letter. I wrote to dispute the following information that appears on my XXXX report on XX/XX/XXXX : XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Delete this account for inaccuracies because XXXX shows Date Last Active : XX/XX/XXXX, XXXX shows Date Last Active : XX/XX/XXXX, and Equifax shows Date Last Active : XX/XX/XXXX. You can't report different dates and years. It's imperative that this be accurate because it determines when the account naturally falls off. XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} Delete this account for inaccuracies because XXXX shows Date Last Active : XX/XX/XXXX, XXXX shows Date Last Active : XX/XX/XXXX, and Equifax shows Date Last Active : XX/XX/XXXX. You can't report different dates and years. It's imperative that this be accurate because it determines when the account naturally falls off. I wrote to dispute the following information that appears on my XXXX report on XX/XX/XXXX : XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Delete this account for inaccuracies because XXXX shows Date Last Active : XX/XX/XXXX, XXXX shows Date Last Active : XX/XX/XXXX, and Equifax shows Date Last Active : XX/XX/XXXX. You can't report different dates and years. It's imperative that this be accurate because it determines when the account naturally falls off. XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} Delete this account for inaccuracies because XXXX shows Date Last Active : XX/XX/XXXX, XXXX shows Date Last Active : XX/XX/XXXX, and Equifax shows Date Last Active : XX/XX/XXXX. You can't report different dates and years. It's imperative that this be accurate because it determines when the account naturally falls off. XXXXXXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Delete this account for inaccuracies because the required notice of dispute was not entered within a time frame of 30 days from the date you first received my letter. Their polices clearly states that accounts shall be deleted based on inaccuracies on credit reports as well as failure of an investigation to be done in a timely matter. I asked the bureaus to please Delete these accounts for inaccuracies but have not heard anything from them. Equifax keeps stating that they are investigating but does nothing. As stated before their policies clearly states that accounts shall be deleted based on inaccuracies on credit reports but yet they are doing not following their policies regarding inaccuracies being found.

Company response to consumer: Closed with explanation