Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

AFFIDAVIT OF TRUTH MAILED NOTARIZED AND ACCEPTED UPON DELIVERY STATE OF Virginia XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX I, residing at, being duly sworn, declare under penalty of perjury as follows : 1. **Introduction** I am a consumer as defined by the Fair Credit Reporting Act ( FCRA ) and am competent to make this affidavit. The facts stated in this affidavit are within my personal knowledge and are true and correct.

2. **Identification of Disputed Information** This affidavit concerns the following specific information that appears on my credit report, which violates Section 1681b ( c ) of the FCRA : I. ) Also known as : II. ) Address III. ) Account Number, Original Creditor, Company Sold To, Account Type, Date Opened, Open/Closed, Status, Status Updated, Balance, Balance Updated, Original Balance, Paid Off, Monthly Payment, Terms, Last Payment Date, Past Due Amount, and Your Statement. 

Account Information : Account Type : Auto Loan Account Status : Open Balance Updated : XX/XX/XXXXXXXX  Current Balance : {$24000.00} Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Payment Past Due : {$650.00} as of XX/XX/XXXXXXXX  Payment Due Date : XX/XX/XXXXXXXX  Amount Due : {$22000.00} Interest Rate : 0 % Monthly Payment : {$590.00} Loan Term : 72 Months Last Payment Made : XX/XX/XXXXXXXX  Amount Last Paid : $ XXXX Payment History ( Year XXXX  ) : XXXX : On time XXXX : On time XXXX : 30 days late XXXX to XXXX : No data Payment History ( Year XXXX ) : XXXX to XXXX : No data XXXX : On time Contact Info : Address : XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX Phone number : ( XXXX ) XXXX Creditor : XXXX  XXXX Account Statement : Exceptional payment history Current Balance : {$2000.00} Account Status : Closed Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXXXXXX  Status : Closed/Never Late Status Updated : XX/XX/XXXXXXXX  Balance Updated : XX/XX/XXXXXXXX  Original Balance : {$1000.00} High Balance : {$2000.00} Paid Off : Yes Monthly Payment : {$25.00} Last Payment Date : XX/XX/XXXX Past Due Amount : - Your Statement : - Creditor : XXXX  XXXX Account Statement : Exceptional payment history, Closed Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Paid, Closed/Never Late Status Updated : XX/XX/XXXX High Balance : {$140.00} Original Balance : Not specified Monthly Payment : Not specified Last Payment Date : XX/XX/XXXXXXXX  Past Due Amount : Not applicable Your Statement : Not specified " Account closed at credit grantor 's request Account previously in dispute - investigation complete, reported by data furnisher Creditor : XXXXXXXX XXXX XXXX Account Statement : Exceptional payment history, Closed Account Number : XXXX Account Type : Secured Card Date Opened : XX/XX/XXXX Status : Paid, Closed/Never Late Status Updated : XX/XX/XXXX High Balance : {$3000.00} Original Balance : Not specified Monthly Payment : Not specified Terms : 1-Month Last Payment Date : XX/XX/XXXXXXXX  Past Due Amount : Not applicable Your Statement : Not specified Creditor : XXXX  Account Overview : Closed with a record of 2 late payments Account Number : XXXX Account Type : Secured Loan Date Opened : XX/XX/XXXXXXXX  Date Closed : XX/XX/XXXXXXXX  Status : Paid and closed Loan Duration : 24 months High Balance : {$520.00} Last Payment Date : XX/XX/XXXXXXXX  Account Holder Type : Individual XXXX.. ) Regular Inquiries : XXXX XXXX  Inquiry Dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX Business Type : Auto Financing Companies Location : XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX Record Duration : Inquiries to remain on record until XXXX to XX/XX/XXXX, respectively. 
XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Business Type : XXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX Record Duration : Inquiry to remain on record until XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Business Type : Banking Location : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Record Duration : Inquiry to remain on record until 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 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 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 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 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 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 

3. **Basis for Removal Request** I believe that the aforementioned information was obtained or is being reported in a manner not authorized under the FCRA, specifically violating Section 1681b ( c ). The information is either outdated, incorrect, or was reported without permissible purpose and I request its immediate investigation and removal from my credit report.

4. **Previous Attempts to Resolve** Processing complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ).

5. **Demand for Action** I, pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ), hereby demand the immediate removal of inaccurately reported information from my credit report, which lacks a permissible purpose for its reporting. I require each credit reporting agency to confirm in writing the removal of said information within 14 days to avoid penalties under the Fair Credit Reporting Act ( FCRA ). 
Executed on this day, Thursday, XX/XX/XXXX, at XXXX XXXX XXXX, XXXX, Virginia, XXXX. 


Signed and notarized