Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report and identified the following inaccuracies : XXXX. XXXX XXXXAccount Opened : XXXXBalance : XXXX XXXXXXXX dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since this account was opened. 
XXXX. XXXX XXXXAccount Opened : XXXXBalance : XXXX XXXXXXXXThis account is incorrectly reported as charged off with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status. 
XXXX. XXXX Opened : XXXXBalance XXXX XXXX XXXXXXXXThis account is incorrectly reported as charged off with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status. 
XXXX. XXXX XXXX XXXXAccount Opened : XXXXBalance : XXXX  XXXX dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since this account was opened. 
XXXX. XXXXXXXX XXXXAccount Opened : XXXXBalance : XXXX XXXXXXXXThis account is incorrectly reported as charged off with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status. 
XXXX. XXXX XXXXAccount Opened : XXXXBalance : $ XXXXThis account is incorrectly reported as charged off with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status. 
XXXX. XXXX XXXX XXXXAccount Opened XXXX XXXXBalance : $ XXXXThis account is reported multiple times with the same creditor and open date. Please remove this error and any negative information associated with this account. 
XXXX. XXXXAccount Opened : XXXXBalance : XXXX XXXXThe current payment status of 90 days past due is incorrect because the balance is {$0.00}. 
XXXX. XXXXAccount Opened : XXXX : $ XXXX account is incorrectly reported as charged off with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status. 
XXXXXXXX XXXX XXXXXXXX Account Opened : XXXX : $ XXXX current payment status of 90 days past due is incorrect because the balance is {$0.00}. 
XXXX. XXXX Account # Opened : XXXX : $ XXXX current payment status of 30 days past due is incorrect because the balance is {$0.00}. 
XXXX. Collection Account from XXXXXXXXAccount Balance : $ XXXXOriginal Creditor : XXXX XXXX XXXX never had a contract with this debt collector. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX. XXXX  Account from XXXX XXXXAccount Balance XXXX XXXX XXXXXXXXOriginal Creditor : XXXX XXXX XXXX never had a contract with this debt collector. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX. XXXX  Account from XXXX XXXXXXXX XXXXAccount Balance : $ XXXX Creditor : XXXX XXXX never had a contract with this debt collector. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX. Collection Account from XXXXccount Balance : $ XXXX Creditor : XXXX XXXX XXXX XXXX XXXX never had a contract with this debt collector. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX. Collection Account from XXXXAccount Balance : XXXX XXXXXXXXOriginal Creditor : XXXX XXXX XXXX never had a contract with this debt collector. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX. XXXX Account from XXXX XXXX : $ XXXXOriginal Creditor : XXXX XXXX never had a contract with this debt collector. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX. XXXX Account from XXXX Balance : $ XXXX Creditor : XXXX XXXX never had a contract with this debt collector. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. You are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. 
If you determine that the information is indeed inaccurate, please promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past six months. 
I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, XXXX XXXX