Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I disputed information on my credit report due to looking at all XXXX of my credit reports and noticing misrepresentations of the accounts reporting. There was a lot of inconsistent information that did not make sense as well as I noticed this to be a violation of 15 USC 609. I decided to dispute the information reported and the investigation came back verified. I'd like to request the documentation received from the creditors in order to ensure the information reporting on my credit report is reporting maximum accuracy. Again, these accounts are showing either information missing or information that is not correct. I am attaching my drivers license along with my proof of address. I am also requesting that my personal information be updated as well. Please remove all spellings of my name that are not spelled like my name on my drivers license. The only spelling of my name should be XXXX XXXX. I also want to remove all addresses associated with my credit report that are not XXXX XXXX XXXX XXXX, OH XXXX. For my second proof of identity I have provided a proof of address document. Please remove all address that do not represent the address thats on the second document. The addresses currently reporting are obsolete and incorrect. Here was my original dispute XXXX XXXX XXXX : Account number : XXXX, There is a late payment on my report that is not accurate. Please remove the late payment and update my credit report to reflect accurate information. 

XXXX : Account number : XXXX, The late payment on this account is incorrect. I have never been late. Provide proof of this late payment or correct my credit report to remove it. 

XXXX XXXX  ( Original XXXX XXXX XXXXXXXX XXXX ) : Account number : XXXX, The payment history on this collection account is incorrect, showing late payments that were actually made on time. This error must be corrected or the collection account must be removed from my credit report. 

XXXX XXXX  ( Original XXXX XXXX XXXXXXXX XXXX ) : Account number : XXXX, This collection account was closed but is still being reported as open. This misreporting can affect my creditworthiness. Correct this error or delete the collection account immediately. 

XXXX : Account number : XXXX, The late payment reported is an error. I have proof of on-time payments. Please verify this information and update my credit report accordingly. 

XXXX XXXX : Account number : XXXX, It's evident that a charge-off account with a balance is an inaccuracy. Please remove this at once. 

XXXX XXXX : Account number : XXXX, This account is reporting a late payment incorrectly. I have always paid on time. Update my credit report to show the correct payment history and remove the late payment. 

XXXX XXXX : Account number : XXXX, I dispute the late payment reported on this account. It is not accurate. Send me evidence of the late payment or correct my credit report to remove it. 

XXXX : Account number : XXXX, The account shows a late payment that never occurred. This is a reporting error. Remove the erroneous late payment and ensure my credit report is updated. 

XXXX : Account number : XXXX, This collection account does not belong to me and is a case of mistaken identity or mixed file. Under the FCRA, you must delete this collection account immediately as it is inaccurately attributed to me. 

XXXX XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX, This collection account appears to be a duplicate of another account on my credit report. Duplicate accounts can negatively impact my credit score. Duplicate collection accounts must be removed immediately to comply with accurate reporting standards. 

XXXX XXXXXXXX XXXX : Account number : XXXX, The late payment on my report is inaccurate. I have made all payments on time. Please provide documentation proving the late payment or update the account to reflect the correct payment history. 

( XXXX XXXX XXXX ) : Account number : XXXX, This collection account lists incorrect personal information such as my name, address, or Social Security number. This is a violation of my rights under the FCRA. As a consumer by law, this collection account must be corrected or deleted immediately.