Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXXXXXX XXXX XXXX XXXXXXXX Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card XXXX Code : Individual Account Status : Closed Monthly Payment : {$35.00} Date Opened : XX/XX/XXXX Balance : {$3300.00} No. of Months ( terms ) : XXXX High Credit : {$3700.00} XXXX XXXX : {$3700.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Canceled by credit grantor Account has been closed due to inactivity. 
**CONSUMER STATEMENT** XXXX ITEM DISPUTED BY CONSUMER Accounts closed by credit XXXX Credit card Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX Account # : XXXX Account Type : Open Account Account Type - Detail : Credit Card XXXX Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$0.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Late 30 Days Last Reported : XX/XX/XXXX Comments : Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees. 
Account legally paid in full for less than the full balance. 
**CONSUMER STATEMENT** XXXX ITEM DISPUTED BY CONSUMER Date Last Active : XX/XX/XXXX XXXX XXXX  Account # : XXXX Account Type : Revolving Account Type - Detail : Credit line secured XXXX Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$330.00} XXXX XXXX : {$200.00} Past Due : {$0.00} Payment Status : Late 90 Days Last Reported : XX/XX/XXXX Comments : Account legally paid in full for lass than the full balance. 
Account legally paid in full for less than the full balance. 
**CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Upgrade Account # : XXXX Account Type : Installment Account Type - Detail : Unsecured loan XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$5000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Subscriber reports dispute resolved - consumer disagrees. 
Unpaid balance reported as a loss by the credit grantor. 
Sold to : XXXX XXXX XXXX **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$23000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Customer disputed account - reported by subscriber. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Unpaid balance reported as a loss by the credit grantor. 
**CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Type : Revolving Account Type - Detail : Credit Car XXXX Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$1500.00} Credit Limit : {$1500.00} Past Due : {$0.00} Payment Status : Late 60 days Last Reported : XX/XX/XXXX Comments : Settled - less than full balance Account legally paid in full for lass than the full balance. 
Account legally paid in full for less than the full balance. 
**CONSUMER STATEMENT** XXXX ITEM DISPUTED BY CONSUMER Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type XXXX  Creditor Classification - Loan Type XXXX Original Creditor Name - Months Reviewed XXXX Activity Designator CLOSED Terms Frequency MONTHLY Term Duration - Purchased From - Sold To - Balance and Amounts Balance {$3300.00} Credit Limit {$3700.00} High Credit {$3700.00} Available Credit {$370.00} Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency - Comments and Contact ACCOUNT CLOSED BY CREDIT GRANTOR CREDIT CARD For questions regarding this account please contact : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX Account Name Account Number Balance Monthly Payment XXXX XXXX XXXX {$0.00} XXXX - -No Data Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX High Balance {$0.00} Pay Status Paid, Closed ; was Paid as agreed Terms Paid Monthly Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks Completed investigation of FCRA dispute-consumer disagreed ; SETTLED-LESS THAN FULL BLNC ; CLOSED Payment History Payment/Remarks Key Date : Rating : XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX 30 days late XXXX XXXX XXXX 60 days late XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX 30 days late XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total Months : XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$3300.00} {$35.00} Account Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX High Balance {$3700.00} Credit Limit {$3700.00} Pay Status Current ; Paid or Paying as Agreed Terms {$35.00} per month ; paid Monthly Date Closed XX/XX/XXXX Remarks CLOSED BY CREDIT GRANTOR Payment History Payment/Remarks Key Date : Rating : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX 30 days late XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX 30 days late XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed Total Months : XXXX BXXXX XXXX XXXX XXXXXXXX {$0.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX High Balance {$1500.00} Credit Limit {$1500.00} Pay Status >Paid, Closed ; was 120 days past due date< Terms Paid Monthly Date Closed XX/XX/XXXX Date Paid XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks SETTLED-LESS THAN FULL BLNC ; CLOSED