Consumer complaint received 2024-10-11
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. (PA)

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX Equifax Account # : XXXX - XXXX Account Type : Revolving account - Revolving Account Type - Detail : Revolving account - Revolving Bureau Code : Authorized account - Authorized User Account Status : Other - Other Monthly Payment : {$0.00} - - Date Opened : XX/XX/XXXX - XX/XX/XXXX Balance : {$1200.00} - {$1200.00} No. of Months ( terms ) : - - Monthly ( due every month ) High Credit : {$1200.00} - - Credit Limit : {$750.00} - {$750.00} Past Due : - - - Payment Status : Charged off as bad debt - Charge-off Last Reported : XX/XX/XXXX - XX/XX/XXXX Comments : Profit and loss writeoff CHARGED OFF ACCOUNT Date Last Active : XX/XX/XXXX - XX/XX/XXXX Date of Last Payment : - - - XXXX XXXX XXXX XXXX Equifax Account XXXX XXXX XXXX XXXX XXXX Account Type : Revolving account REVOLVING Revolving Account Type - Detail : Revolving account Charge Card Revolving Bureau Code : Individual account Individual Individual Account Account Status : Indeterminate Indeterminate Indeterminate Monthly Payment : {$0.00} - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : - Revolving Monthly ( due every month ) High Credit : {$670.00} - - Credit Limit : {$200.00} {$200.00} {$200.00} Past Due : - - - Payment Status : Charged off as bad debt Charge-off Charge-off Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Purchased by another lender - CHARGED OFF ACCOUNT Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - - Two-Year payment history XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Installment account INSTALLMENT Installment Account Type - Detail : Installment account Unsecured Loan Installment Bureau Code : Individual account Individual Individual Account Account Status : Indeterminate Indeterminate Indeterminate Monthly Payment : {$0.00} - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : Monthly 60 Months Monthly ( due every month ) High Credit : {$3000.00} - - Credit Limit : {$0.00} - - Past Due : - - - Payment Status : Charged off as bad debt Charge-off Charge-off Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Purchased by another lender - CHARGED OFF ACCOUNT FIXED RATE Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XXXX XXXX XXXX  XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving account REVOLVING Revolving Account Type - Detail : Revolving account Credit Card Revolving Bureau Code : Individual account Individual Individual Account Account Status : Closed Closed Closed Monthly Payment : {$0.00} - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$380.00} {$380.00} {$380.00} No. of Months ( terms ) : - Revolving - High Credit : {$440.00} - - Credit Limit : {$300.00} {$300.00} {$300.00} Past Due : - - - Payment Status : Charged off as bad debt Charge-off Charge-off Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by credit grantor - CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - - Two-Year payment history XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving account REVOLVING Revolving Account Type - Detail : Revolving account Credit Card Revolving Bureau Code : Individual account Individual Individual Account Account Status : Closed Closed Closed Monthly Payment : {$0.00} - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1000.00} {$1000.00} {$1000.00} No. of Months ( terms ) : - Revolving - High Credit : {$1000.00} - - Credit Limit : {$700.00} {$700.00} {$700.00} Past Due : - - - Payment Status : Charged off as bad debt Charge-off Charge-off Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Profit and loss writeoff - CHARGED OFF ACCOUNT Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - - XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Open account INSTALLMENT Open Account Account Type - Detail : Open account Debt Buyer Open Account Bureau Code : Individual account Individual Individual Account Account Status : - XXXX XXXX Monthly Payment : - - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$640.00} {$640.00} {$640.00} No. of Months ( terms ) : - 1 Month - High Credit : - - {$640.00} Credit Limit : - - - Past Due : - - - Payment Status : - Seriously past due date / assigned to attorney, collection agency, or credit grantor & XXXX ; XXXX internal collection department - Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - COLLECTION ACCOUNT Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no Proof of the alleged debt, nor therefore any such debt, in fact therefor exist