Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Subject : Formal Request to Rectify Inaccurate Credit Information To Whom It May Concern, I am writing to raise a formal complaint regarding the inaccurate and incomplete information that has been reported on my credit profile. Upon reviewing my credit report, I have identified what appears to be an erroneous notation of a late payment. I kindly request a thorough investigation to ensure that all data related to this account is accurately reported, including notation dates and balances, whether disclosed or not. 

The specific account in question is XXXX XXXXXXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXXXXXX XXXX XXXX  Account Number XXXX Account Type Secured Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment {$25.00} as of XX/XX/XXXX Monthly Payment - Original Balance {$2000.00} Highest Balance - Terms 120 Months Payment History XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current / Terms met XXXX Past due 30 days 60 Past due 60 days CLS Closed Payment history guide 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX Balance Histories Date Balance Scheduled Payment Paid XX/XX/XXXX {$2000.00} {$25.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$1900.00} {$25.00} {$25.00} on XX/XX/XXXX Additional info The original amount of this account was {$2000.00} Account Info Account Name XXXX XXXX XXXX  XXXX Account Number XXXX Account Type Secured Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment {$15.00} as of XX/XX/XXXX Monthly Payment - Original Balance {$1000.00} Highest Balance - Terms 120 Months Payment History XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days CLS Closed Payment history guide 60 days past due as of XXXX XXXX XXXX  days past due as of XX/XX/XXXX Balance Histories Date Balance Scheduled Payment Paid XX/XX/XXXX {$1000.00} {$15.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$990.00} {$15.00} {$0.00} on XX/XX/XXXX Additional info The original amount of this account was {$1000.00} Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Credit Limit {$2500.00} Highest Balance {$47.00} Terms - Payment History XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Past due 30 days Payment history guide 30 days past due as of XX/XX/XXXX Balance Histories Date Balance Scheduled Payment Paid XX/XX/XXXX {$47.00} {$47.00} {$47.00} on XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$47.00} on XX/XX/XXXX XX/XX/XXXX {$47.00} {$47.00} {$16.00} on XX/XX/XXXX XX/XX/XXXX {$16.00} {$16.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$34.00} on XX/XX/XXXX XX/XX/XXXX {$18.00} {$18.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$16.00} on XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$16.00} on XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$16.00} on XX/XX/XXXX XXXX XXXX {$0.00} {$0.00} {$16.00} on XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$16.00} on XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$0.00} Account Name XXXX XXXX XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Original Balance {$250.00} Highest Balance - Terms 12 Months Payment History XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Past due 30 days Payment history guide 30 days past due as of XX/XX/XXXX Balance Histories Date Balance Scheduled Payment Paid XX/XX/XXXX {$63.00} {$21.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$63.00} {$21.00} {$21.00} on XX/XX/XXXX XX/XX/XXXX {$84.00} {$21.00} {$42.00} on XX/XX/XXXX XX/XX/XXXX {$120.00} {$21.00} {$21.00} on XX/XX/XXXX XX/XX/XXXX {$140.00} {$21.00} {$21.00} on XX/XX/XXXX XX/XX/XXXX {$160.00} {$21.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$160.00} {$21.00} {$21.00} on XX/XX/XXXX XX/XX/XXXX {$180.00} {$21.00} {$21.00} on XX/XX/XXXX XX/XX/XXXX {$210.00} {$21.00} {$21.00} on XX/XX/XXXX XXXX XXXX {$230.00} {$21.00} {$21.00} on XX/XX/XXXX Additional info The original amount of this account was {$250.00} XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX Account Number XXXX Account Type Note Loan Responsibility Individual Date Opened XX/XX/XXXX Status Open. {$15.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$210.00} Balance Updated XX/XX/XXXX Recent Payment {$20.00} as of XX/XX/XXXX Monthly Payment {$25.00} Original Balance {$600.00} Highest Balance - Terms 24 Months Payment History XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Past due 30 days ND No data for this period Payment history guide 30 days past due as of XX/XX/XXXX to XX/XX/XXXX By XX/XX/XXXX, this account is scheduled to go to a positive status. 

Balance Histories Date Balance Scheduled Payment Paid XX/XX/XXXX {$230.00} {$25.00} {$20.00} on XX/XX/XXXX XX/XX/XXXX {$250.00} {$25.00} {$20.00} on XX/XX/XXXX XX/XX/XXXX {$270.00} {$25.00} {$20.00} on XX/XX/XXXX XXXX XXXX {$310.00} {$25.00} {$20.00} on XX/XX/XXXX XX/XX/XXXX {$330.00} {$25.00} {$20.00} on XX/XX/XXXX XX/XX/XXXX {$350.00} {$25.00} {$20.00} on XX/XX/XXXX XX/XX/XXXX {$350.00} {$25.00} {$50.00} on XX/XX/XXXX XX/XX/XXXX {$400.00} {$25.00} {$25.00} on XX/XX/XXXX XX/XX/XXXX {$420.00} {$25.00} {$25.00} on XX/XX/XXXX XX/XX/XXXX {$420.00} {$25.00} {$50.00} on XX/XX/XXXX XX/XX/XXXX {$450.00} {$25.00} {$50.00} on XX/XX/XXXX XX/XX/XXXX {$500.00} {$25.00} {$25.00} on XX/XX/XXXX XX/XX/XXXX {$520.00} {$25.00} {$30.00} on XX/XX/XXXX XX/XX/XXXX {$550.00} {$25.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$550.00} {$25.00} {$50.00} on XX/XX/XXXX Additional info The original amount of this account was {$600.00} XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status XXXX through Bankruptcy XXXX  XXXX. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Original Balance {$13000.00} Highest Balance - Terms 60 Months On Record Until XX/XX/XXXX Payment History No payment history available to display. 

This account is scheduled to continue on record until XX/XX/XXXX. 

POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX & XXXX XXXX  Account Number XXXX Account Type Auto Loan Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Original Balance {$12000.00} Highest Balance - Terms 30 Months Payment History XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current / Terms met XXXX Past due 30 days Payment history guide 30 days past due as of XX/XX/XXXX Contact Info Address XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Phone Number ( XXXX ) XXXX Your Statement NEVER LATE, ACCOUNT WAS PAID AS AGREED. 
Reinvestigation Info This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

XXXX XXXX XXXX  POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX  XXXX. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Credit Limit {$250.00} Highest Balance {$330.00} Terms - On Record Until XX/XX/XXXX Payment History XXXX XXXXXXXX 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  Charge off Payment history guide Charge Off as of XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX This account is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXXXXXX. 
POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX XXXXXXXX. 
Account Number XXXX Account Type Line of Credit Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XXXX XXXX Balance - Balance Updated - Recent Payment {$65.00} as of XX/XX/XXXX Monthly Payment - Credit Limit {$600.00} Highest Balance {$65.00} Terms - Payment History XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current / Terms met XXXX Past due 30 days XXXX Past due 60 days XXXX Past due 90 days XXXX Past due 120 days XXXX Past due 150 days XXXX Closed ND No data for this period Payment history guide 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XX/XX/XXXXXXXX XXXX XXXX XXXX days past due as of XX/XX/XXXX Balance Histories Date Balance Scheduled Payment Paid XXXX XXXX {$0.00} {$65.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$65.00} {$65.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$65.00} {$65.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$58.00} {$58.00} {$0.00} on XX/XX/XXXX Additional info Between XX/XX/XXXX and XXXX XXXX, your credit limit/high balance was {$600.00} XXXX XXXX XXXX XXXX XXXX Account Info Account Name XXXX XXXX XXXX Account XXXX XXXX Account Type Revolving Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX  XXXX. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Credit Limit {$1900.00} Highest Balance {$1600.00} Terms - On Record Until XX/XX/XXXX Payment History XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Past due 30 days XXXX Past due 60 days XXXX Past due 120 days XXXX Past due 150 days CO Charge off Payment history guide Charge Off as of XXXX XXXX 150 days past due as of XXXX XXXX  120 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX  XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Deceased Date Opened XX/XX/XXXX Status /Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment {$180.00} as of XX/XX/XXXX Monthly Payment - Credit Limit {$200.00} Highest Balance {$230.00} Terms - On Record Until XX/XX/XXXX Payment History XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met This account is scheduled to continue on record until XX/XX/XXXX. 

Balance Histories Date Balance Scheduled Payment Paid XX/XX/XXXX {$130.00} {$20.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$200.00} {$20.00} {$200.00} on XX/XX/XXXX XX/XX/XXXX {$190.00} {$20.00} {$210.00} on XX/XX/XXXX XX/XX/XXXX {$170.00} {$20.00} {$200.00} on XX/XX/XXXX XX/XX/XXXX {$220.00} {$20.00} {$120.00} on XX/XX/XXXX XX/XX/XXXX {$220.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$430.00} on XX/XX/XXXX XX/XX/XXXX {$200.00} {$20.00} {$31.00} on XX/XX/XXXX XX/XX/XXXX {$100.00} {$20.00} {$270.00} on XX/XX/XXXX Additional info Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$200.00} XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Secured Loan Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX  XXXX. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Original Balance {$520.00} Highest Balance - Terms 24 Months Payment History No payment history available to display. 

By XX/XX/XXXX, this account is scheduled to go to a positive status. 

Contact Info Address XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone Number ( XXXX ) XXXX Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX. 
XXXX XXXX XXXX  POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Secured Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Original Balance {$520.00} Highest Balance - Terms 24 Months Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Past due 30 days XXXX Closed Payment history guide 30 days past due as of XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$1400.00} written off. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment {$2500.00} as of XX/XX/XXXX Monthly Payment - Original Balance {$6600.00} Highest Balance - Terms 1 Months On Record Until XX/XX/XXXX Payment History XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met CO Charge off Payment history guide Charge Off as of XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 

Contact Info Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Phone Number ( XXXX ) XXXX Comment Current : Account paid in full for less than full balance Previous : None Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX. 
XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX Account Number XXXX Account Type Cell Phone Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2100.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance - Highest Balance {$2100.00} Terms 1 Months On Record Until XX/XX/XXXX Payment History XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 

Contact Info Address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone Number ( XXXX ) XXXX XXXX XXXX Account Info Account Name XXXX XXXX Account Number XXXX Account Type Sales Contract Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Original Balance {$38.00} Highest Balance - Terms 6 Months On Record Until XX/XX/XXXX Payment History XXXX XXXX XXXX XXXXXXXX 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  Current / Terms met CLS Closed ND No data for this period This account is scheduled to continue on record until XX/XX/XXXX. 

Contact Info Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Comment Current : Completed investigation of FCRA dispute - consumer disagrees. 
Previous : None Your Statement NEVER LATE, ACCOUNT WAS PAID AS AGREED. 
Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX. 
Public Records Information gathered from courts or other government agencies about legal matters associated with you. The most common Public Records are bankruptcies, tax liens, and monetary judgments. 

I respectfully request substantiating evidence for the alleged late payments. As per my rights under consumer protection laws, I insist that if such evidence is unavailable, or if the late payments can not be verified, my payment history be updated to reflect a " Paid as Agreed, Never Late '' status ( PAANL ). Furthermore, I request that a corrected credit profile be supplied to all creditors who have obtained a copy of my report within the last XXXX months. 

In addition to addressing the specific issue with the late payment notation, I seek detailed clarification regarding the procedures employed to ensure the accuracy and completeness of the information in my credit report. I am aware that, as per regulations, a detailed explanation of the investigation 's outcome should be provided within 15 days of its conclusion. Furthermore, I understand that federal law mandates a 30-day timeframe for the completion of the investigation. 

It is my understanding that the validation of these items with the reporting creditor is a mandatory step to ascertain their accuracy. Any information that the creditor can not verify should be promptly removed. I expect this process to be completed within 30 days of receipt of this correspondence, failing which the incorrect information should be expunged. 

Kindly ensure that an updated copy of my credit report is sent to the address listed below. 

Thank you for your attention to this matter.