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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX , DC XXXX Subject : Formal Dispute of Inaccurate Information on Accounts on Credit Report Dear CFPB, I am writing to formally dispute inaccurate information on my credit report under the provisions of 15 USC 1681e ( b ) and 15 USC 1681i. Despite multiple attempts to resolve this matter, this is now my fourth dispute regarding the inaccurate accounts, with dates that do not align with true, verifiable information. 

Pursuant to 15 USC 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy in the information they report. The accounts I have disputed contain dates that are completely inaccurate. Additionally, under 15 USC 1681i ( a ) ( 5 ), any information that is found to be inaccurate or unverifiable must be promptly corrected or removed from the report. 

I kindly request that the inaccurate accounts be removed as they have been verified as incorrect, and I expect a resolution to this matter. 

Please find enclosed the details of my previous disputes, including all relevant documentation supporting my case. I would appreciate your immediate attention to this issue. 

Thank you for your time and assistance in ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX ( Not resolved Its in accurate look at the dates on each one ) Account # : Account Type : Account Type - Detail : XXXX Code : Account Status : Monthly Payment : Date Opened : Balance : No. of Months ( terms ) : High Credit : Credit Limit : Past Due : Payment Status : Last Reported : Comments : Date Last Active : Date of Last Payment : Two-Year payment history XXXX Installment Auto Loan Joint Closed {$0.00} XXXX Installment Auto Loan Joint Paid {$0.00} XXXX XXXX XXXX Installment Auto Loan Joint Paid {$0.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX {$45000.00} {$45000.00} {$45000.00} {$0.00} {$0.00} Late 90 Days XX/XX/XXXX Dispute resolved; reported by grantor XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} Late 90 Days XX/XX/XXXX Account was in dispute - now resolved - reported by subscriber. XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} Late 90 Days XX/XX/XXXX Closed or paid account/zero balance Auto XX/XX/XXXX XX/XX/XXXX Legend ( Next XXXX not resolved ) unt # : Account Type : Account Type - Detail : Bureau Code : Account Status : Monthly Payment : Date Opened : Balance : No. of Months ( terms ) : High Credit : Credit Limit : Past Due : Payment Status : Last Reported : Comments : Date Last Active : Date of Last Payment : Two-Year payment history XXXX Revolving Credit Card Individual Derogatory {$0.00} XX/XX/XXXX XXXX Revolving Credit Card Individual Derogatory {$0.00} XX/XX/XXXX XXXX XXXX XXXX Revolving Credit Card Individual Derogatory {$0.00} XX/XX/XXXX {$270.00} {$270.00} {$270.00} XXXX {$310.00} {$0.00} {$270.00} {$200.00} {$200.00} {$0.00} {$270.00} {$270.00} {$270.00} Collection/Chargeoff XX/XX/XXXX Charged off as bad debt Profit and loss write-off XX/XX/XXXX XX/XX/XXXX Collection/Chargeoff XX/XX/XXXX Unpaid balance reported as a loss by the credit grantor. 
XX/XX/XXXX XX/XX/XXXX Collection/Chargeoff XX/XX/XXXX Charged off account Credit card XX/XX/XXXX ( I never received my 1099c ) XXXX XXXX Installment Utility company Individual Derogatory {$0.00} XX/XX/XXXX {$250.00} XXXX {$0.00} {$0.00} {$250.00} Collection/Chargeoff XX/XX/XXXX Charged off as bad debt Dispute resolved; customer disagrees XX/XX/XXXX - Experian XXXX Installment Unknown - credit extension, review, or collection Individual Derogatory {$0.00} XX/XX/XXXX {$250.00} XXXX {$0.00} {$0.00} {$250.00} Collection/Chargeoff XX/XX/XXXX Subscriber reports dispute resolved - consumer disagrees. 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. 
XX/XX/XXXX - Equifax XXXX Installment - Individual Derogatory {$0.00} XX/XX/XXXX {$250.00} XXXX {$0.00} {$0.00} {$250.00} Collection/Chargeoff XX/XX/XXXX Consumer disputes after resolution Charged off account XX/XX/XXXX ( Again false information look at the dates ) XXXX XXXX Revolving Credit Card Individual Derogatory {$0.00} XX/XX/XXXX {$2200.00} XXXX {$2200.00} {$1700.00} {$2200.00} Collection/Chargeoff XX/XX/XXXX Charged off as bad debt Profit and loss write-off XX/XX/XXXX XX/XX/XXXX XXXX XXXX Revolving Credit Card Individual Derogatory {$0.00} XX/XX/XXXX {$2200.00} XXXX {$0.00} {$1700.00} {$2200.00} Collection/Chargeoff XX/XX/XXXX Unpaid balance reported as a loss by the credit grantor. 
XX/XX/XXXX XX/XX/XXXX Equifax XXXX Revolving Credit Card Individual Derogatory {$0.00} XX/XX/XXXX {$2200.00} XXXX {$2000.00} {$0.00} {$2200.00} Collection/Chargeoff XX/XX/XXXX Charged off account Credit card XX/XX/XXXX XX/XX/XXXX ( again not accurate in any way ) ccount Type : Account Type - Detail : Bureau Code : Account Status : Monthly Payment : Date Opened : Balance : No. of Months ( terms ) : High Credit : Credit Limit : Past Due : Payment Status : Last Reported : Comments : Date Last Active : Date of Last Payment : Two-Year payment history XXXX XXXX Equifax XXXX Open Account Collection Individual Derogatory {$0.00} XX/XX/XXXX {$570.00} XXXX {$570.00} {$0.00} {$570.00} Late 120 Days XX/XX/XXXX Collection account XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK ( again, in accurate information, check the dates ) AND CRED ( Original Creditor : XXXX COMENITY CAPITAL BANK ) Account # : Account Type : Account Type - Detail : Bureau Code : Account Status : Monthly Payment : Date Opened : Balance : No. of Months ( terms ) : High Credit : Credit Limit : Past Due : Payment Status : Last Reported : Comments : Date Last Active : Date of Last Payment : Two-Year payment history Legend XXXX XXXX Collection Collection Individual Derogatory - XX/XX/XXXX {$6400.00} - {$6400.00} - - Collection/Chargeoff XX/XX/XXXX Account information disputed by consumer, meets FCRA requirements XX/XX/XXXX - Experian XXXX Collection Collection Individual Derogatory - XX/XX/XXXX {$6400.00} - {$6400.00} - - Collection/Chargeoff XX/XX/XXXX Customer disputed account - reported by subscriber. 
XX/XX/XXXX - Equifax 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 ( again not accurate information must be Remove from my credit report ) XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) Account # : Account Type : Account Type - Detail : Bureau Code : Account Status : Monthly Payment : Date Opened : Balance : No. of Months ( terms ) : High Credit : Credit Limit : Past Due : Payment Status : Last Reported : Comments : Date Last Active : Date of Last Payment : Two-Year payment history Legend XXXX XXXX Collection Collection Individual Derogatory - XX/XX/XXXX {$810.00} - {$810.00} - - Collection/Chargeoff XX/XX/XXXX Account information disputed by consumer, meets FCRA requirements XX/XX/XXXX - Experian XXXX Collection Collection Individual Derogatory - XX/XX/XXXX {$810.00} - {$810.00} - - Collection/Chargeoff XX/XX/XXXX Customer disputed account - reported by subscriber. 
XX/XX/XXXX - Equifax 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 ( Again not accurate ) XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) Account # : Account Type : Account Type - Detail : Bureau Code : Account Status : Monthly Payment : Date Opened : Balance : No. of Months ( terms ) : High Credit : Credit Limit : Past Due : Payment Status : Last Reported : Comments : Date Last Active : Date of Last Payment : Two-Year payment history Legend XXXX XXXX Collection Collection Individual Derogatory - XX/XX/XXXX {$570.00} - {$570.00} - - Collection/Chargeoff XX/XX/XXXX Placed for collection XX/XX/XXXX - Experian XXXX Collection Collection Individual Derogatory - XX/XX/XXXX {$570.00} - {$570.00} - - Collection/Chargeoff XX/XX/XXXX - XX/XX/XXXX - Equifax Month 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 ( again, not accurate information Must be removed ) XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX Equifax Account # : Account Type : Account Type - Detail : Bureau Code : Account Status : Monthly Payment : Date Opened : Balance : No. of Months ( terms ) : High Credit : Credit Limit : Past Due : Payment Status : Last Reported : Comments : Date Last Active : Date of Last Payment : Two-Year payment history XXXX Collection Collection Individual Derogatory - XX/XX/XXXX XXXX Collection Collection Individual Derogatory - XX/XX/XXXX {$950.00} {$950.00} - {$950.00} - - Collection/Chargeoff XX/XX/XXXX Dispute resolved; customer disagrees XX/XX/XXXX - - {$950.00} - - Collection/Chargeoff XX/XX/XXXX Subscriber reports dispute resolved - consumer disagrees. XX/XX/XXXX - Month 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 Equifax XXXX XXXX Equifax XXXX XXXX  Account # : Account Type : Account Type - Detail : Bureau Code : Account Status : Monthly Payment : Date Opened : Balance : No. of Months ( terms ) : High Credit : Credit Limit : Past Due : Payment Status : Last Reported : Comments : Date Last Active : Date of Last Payment : Two-Year payment history XXXX XXXX Equifax XXXX Open Account Collection Individual Derogatory {$0.00} XX/XX/XXXX {$950.00} XXXX {$950.00} {$0.00} {$950.00} Late 120 Days XX/XX/XXXX Consumer disputes after resolution Collection account XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK ( again, not accurate information must be removed ) S Account # : Account Type : Account Type - Detail : Bureau Code : Account Status : Monthly Payment : Date Opened : Balance : No. of Months ( terms ) : High Credit : Credit Limit : Past Due : Payment Status : Last Reported : Comments : Date Last Active : Date of Last Payment : Two-Year payment history {$240.00} {$240.00} XXXX {$390.00} {$78.00} {$300.00} {$0.00} {$240.00} {$240.00} XXXX XXXX Revolving Credit Card Individual Derogatory {$0.00} XX/XX/XXXX XXXX Equifax XXXX XXXX XXXX Individual Derogatory {$0.00} XX/XX/XXXX Collection/Chargeoff XX/XX/XXXX Charged off as bad debt Account closed by consumer XX/XX/XXXX XX/XX/XXXX Collection/Chargeoff XX/XX/XXXX Account closed at consumer 's request Charged off account XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK U S BANK Account # : Account Type : Account Type - Detail : Bureau Code : Account Status : Monthly Payment : Date Opened : Balance : No. of Months ( terms ) : High Credit : Credit Limit : Past Due : Payment Status : Last Reported : Comments : Date Last Active : Date of Last Payment : Two-Year payment history Legend XXXX XXXX - Revolving Credit Card Individual Derogatory {$0.00} XX/XX/XXXX {$240.00} XXXX {$0.00} {$300.00} {$240.00} Collection/Chargeoff XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX request - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. XX/XX/XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( again, not accurate information must be removed ) XXXX XXXX XXXX Account # : Account Type : Account Type - Detail : XXXX Code : Account Status : Monthly Payment : Date Opened : Balance : No. of Months ( terms ) : High Credit : Credit Limit : Past Due : Payment Status : Last Reported : Comments : Date Last Active : Date of Last Payment : Two-Year payment history XXXX XXXX XXXX Open Account Unknown - credit extension, review, or collection Individual Derogatory {$0.00} XX/XX/XXXX {$1200.00} XXXX {$1200.00} {$0.00} {$1200.00} Collection/Chargeoff XX/XX/XXXX Customer disputed account - reported by subscriber. Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. XX/XX/XXXX - Equifax XXXX Open Account Collection Individual Derogatory {$0.00} XX/XX/XXXX {$1200.00} XXXX {$1200.00} {$0.00} {$1200.00} Late 120 Days XX/XX/XXXX Consumer disputes this account information Collection account XX/XX/XXXX XX/XX/XXXX Legend Month Year XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK MIDLANDCRE Account # : Account Type : Account Type - Detail : Bureau Code : Account Status : Monthly Payment : Date Opened : Balance : No. of Months ( terms ) : High Credit : Credit Limit : Past Due : Payment Status : Last Reported : Comments : Date Last Active : Date of Last Payment : Two-Year payment history XXXX XXXX Equifax XXXX Open Account Collection Individual Derogatory {$0.00} XX/XX/XXXX {$6400.00} XXXX {$6400.00} {$0.00} {$6400.00} Late 120 Days XX/XX/XXXX Consumer disputes this account information Collection account XX/XX/XXXX XX/XX/XXXX Legend Month Year XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX  Account # : Account Type : Account Type - Detail : Bureau Code : Account Status : Monthly Payment : Date Opened : Balance : No. of Months ( terms ) : High Credit : Credit Limit : Past Due : Payment Status : Last Reported : Comments : Date Last Active : Date of Last Payment : Two-Year payment history XXXX XXXX Equifax XXXX XXXX Account Collection Individual Derogatory {$0.00} XX/XX/XXXX {$810.00} XXXX {$810.00} {$0.00} {$810.00} Late 120 Days XX/XX/XXXX Consumer disputes this account information Collection account XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax Inquiries ( again, not accurate information must be removed )