Consumer complaint received 2024-10-17
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. (TX)

XXXX XXXX XXXX Old XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX : XXXX XXXX Department XXXX XXXX XXXX XXXX, GA XXXX Formal Dispute of Inaccurate Information on Credit Report Disputed Account : XXXX XXXX Account Number : XXXX Dear Equifax,, I am writing to formally dispute the inaccurate information that appears on my credit report issued by Equifax. Specifically, I am disputing details regarding my XXXX XXXX account, which is not being reported accurately. Below are the specific inaccuracies and violations of federal law that I have identified : 1. Inaccuracy : Balance Information The report incorrectly shows that the balance on this account is 0 % paid off, while also listing the balance as {$660.00}. If the balance is {$660.00}, this information is inconsistent with the 0 % paid off notation. 
Request : Please update the percentage paid off to reflect accurate balance information. 

2. Inaccuracy : Payment History The report displays " No payment history available to display, '' despite the account being opened on XX/XX/XXXX and now in collections. A collection account should show payment activity or missed payments, yet this information is missing. 
Request : Please provide a complete and accurate payment history or explain why no payment information is available. 

3. Inaccuracy : Account Status The account is listed as a " Collection Account '' under comments, but no status is provided in the " Status '' section. The status should clearly indicate the delinquency or charge-off status, as this account is in collections.

Request : Please update the " Status '' section to accurately reflect the current status of this account.

4. Inaccuracy : Past Due Amount The report lists both the balance and th
e past due amount as {$660.00}, which suggests there may be an error in how the past due amount is displayed. The " Past Due '' amount should reflect unpaid amounts rather than simply mirroring the total balance.

Request : Clarify and adjust the past due amount to accurately reflect missed payments, if applicable.

5. Inaccuracy : Terms The " Terms '' section is left blank, but every account should have associated terms, especially one in collections.

Request : Please update the " Terms '' section with the relevant information or provide an explanation for why this is missing.

Legal Basis for Dispute : 15 U.S. Code 1681c-2 requires that a consumer reporting agency block the reporting of any information that the consumer identifies as information resulting from identity theft within 4 business days of receipt of notice. I am requesting that this inaccurate information be blocked accordingly.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( a ) ( 5 ), the credit reporting agency is required to report 100 % accurate information. The inconsistencies listed above violate these statutes, as the account information is not being reported accurately.

In accordance with the Fair Credit Reporting Act ( 15 USC 1681 ), these inaccuracies have violated my federally protected consumer rights to privacy and confidentiality.

15 USC 1681 Section 602 ( a ) ensures my right to privacy.

15 USC 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish information about me without my written consent. 
I am also requesting a copy of the original agreement and the terms & conditions related to this account. Failure to comply with this request will result in forfeiture of your claims, and you will be required to delete the disputed items. 


If the inaccuracies listed can not be verified or corrected, I demand that these accounts be deleted from my credit report. Failure to correct this information or provide the requested documentation will result in statutory penalties. In the event of non-compliance, I reserve the right to seek compensation of {$1000.00} per account as allowed by law.

You are required to block the reporting of these transactions within four business days of receipt of this notice, as per 15 U.S. Code 1681c-2. 

I have enclosed a copy of my credit report with the disputed items highlighted for your convenience. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX