Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

RE : You violated the United States Code Law ( TIla 15. U.S Code 1666 ( b ) billing error ).

I am writing to you because your bureau has given me concerns about something I discovered in my credit report. Upon careful inspection, I discovered a number of mistakes that are negatively impacting my credit score and giving me XXXX The mistakes that I observed are : Accounts : Please investigate and delete the item. XXXX TEL : XXXX, This account date is inaccurate is not matching the data with the other bureaus. Please remove this from my report. 

XXXX XXXX XXXXXXXX, This inaccurate account, how am I 60 days late for 3 consecutive months, please update or delete. Looking for a deletion correction. XXXX : XXXX, It appears that the data in this account is not reporting correctly because it shows 120 days late for 7 consecutive months. Resolve it or delete this item. XXXX : XXXX, Im disputing this account, because the information on the report is wrong because its also showing 120 days late for 7 consecutive months. Delete the inaccurate item. 

XXXX XXXX : XXXX, The account data is confusing because the data is inconsistent with the data from the other bureaus. I need this deleted ASAP. XXXX TEL : XXXX, This account is problematic because of the way the data is reporting. Delete all errors. XXXX TEL : XXXX, The account is misleading because the data is inaccurate. Remove this account. 

XXXX XXXX XXXX, This account needs to be verified that its reporting correctly. Look at this closely and purge it from my reportXXXX XXXX XXXX XXXX, Account in question is erroneous. Please purge this issue and send me and update. XXXX : XXXX, Asking you to remove the unverified account because of its problematic reporting. Investigate and delete as soon as you read this. 

XXXX : XXXX, Correction of Inaccurate Information in the Credit Report is needed because it's reporting 120 days late for consecutive months. Comply with the law and make sure the information in question is removed. XXXX : XXXX, Found this item on the report that was inaccurate. Remove this item today. XXXX : XXXX, Discovered that this account has inaccurate information also showing 120 days late for consecutive months. Follow the law, investigate and delete. 

XXXXXXXX XXXX XXXX  A possible error in my credit report its not reporting accurately. Please verify if not, delete. XXXX XXXX  XXXX : XXXX, The credit information is referenced as wrong due to the way it's being reported. Purge it from my credit report. XXXXXXXX XXXX XXXX, Inaccurate item on the credit report is still being listed wrong. This information should be deleted. 

XXXX XXXX XXXXXXXX, Falsely listed on the credit report because it's not being reported correctly. Investigate the matter and remove the error asap. 

My understanding of credit laws is sufficient to convince me that I am protected by the Fair Credit Reporting Act ( FCRA ). This allows me to dispute and request corrections for inaccurate information on my credit report. In addition, the Act requires your bureau to provide me with a complimentary copy of my credit report within a specific timeframe following the receipt of this letter.

My ability to maintain financial stability is being seriously harmed by these mistakes. I'm upset about this situation. I've worked very hard to maintain my good credit, but these errors were avoidable. These mistakes damage my financial reputation ; they are more than just numerical errors. Since it involves defending someone's rights and clearing a record, I beg you to take immediate action on this significant issue. 

To be clear, I'm not happy with the state of affairs at the moment. Credit reporting agencies are required by the FCRA to maintain accurate and current records of individuals ' personal information. Not only do these mistakes violate the law, but they also erode public confidence in the system. 

I want you to know that, should the need arise, I will defend my legal rights as a customer. To avoid having to do this, though, I sincerely hope that you will move swiftly to resolve this issue and fix the errors on my credit report. 

I'm hoping for a prompt and thorough response on this crucial issue. If you require any additional information or documents to assist in resolving this disagreement, kindly contact me. I'm hoping that the mistakes on my credit report will be addressed quickly. 

I appreciate your cooperation and patience in this situation. 




Regards.