Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am filing this complaint for inaccurate information reported on my credit report by XXXX, XXXX XXXX, & Equifax. Despite my previous attempts to resolve this issue directly with XXXX, XXXX XXXX, & Equifax. The inaccuracies persist, and I am seeking the CFPBs assistance in addressing this matter. 
Account Information : I recently reviewed my credit report from XXXX, Equifax XXXX XXXX XXXX XXXX and identified the following inaccuracies : XXXX XXXX- account # XXXX Inaccuracies : 1st Inaccuracy : DATE OPENED IS INACCURATE, XXXX is reporting date opened XX/XX/XXXX, XXXX is XXXX open date XX/XX/XXXX, & Equifax is reporting date opened XX/XX/XXXX. 
2nd Inaccuracy XXXX is reporting a late payment in XXXX of XXXX, I do not recall being 30 days late in XXXX of XXXX, Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress the XXXX day late payment in XXXX of XXXX, and update my account is paid as agreed with no late payments. 
CREDITACPT-account # XXXX Inaccuracies : 1st Inaccuracy : DATE OPENED IS INACCURATE, XXXX is reporting date opened XX/XX/XXXX, XXXX is reporting date opened XX/XX/XXXX Equifax is reporting date opened on XX/XX/XXXX XXXX Inaccuracy : DATE LAST ACTIVE IS INACCURATE, XXXX is reporting date last active as XX/XX/XXXX, XXXX is reporting last active date as XX/XX/XXXX, and Equifax is reporting last active date as XX/XX/XXXX. 
Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my XXXX credit file. 
XXXX # XXXX Inaccuracies : XXXX Inaccuracy : DATE OPENED IS INACCURATE, XXXX is reporting date opened XX/XX/XXXX, XXXX is reporting XXXX opened on XX/XX/XXXX. Equifax has suppressed this account from being reported. 
XXXX Inaccuracy : PAYMENT STATUS IS INACCURATE, XXXX is reporting the payment status as Late 180 days, while XXXX is reporting late 120 days. Equifax has suppressed this account from being reporting XXXX Inaccuracy : DATE LAST ACTIVE IS INACCURATE, XXXX is reporting the last active date XX/XX/XXXX, XXXX is reporting the last active date as XX/XX/XXXX. Equifax has suppressed this account from being reporting. This is a sign of a re-aging account. 
Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my XXXX credit file. 
XXXX # XXXX Inaccuracies : XXXX Inaccuracy : DATE OPENED IS INACCURATE, XXXX is reporting date opened XX/XX/XXXX, XXXX is reporting XXXX opened on XX/XX/XXXX. Equifax has suppressed this account from being reported. 
XXXX Inaccuracy : PAYMENT STATUS IS INACCURATE, XXXX is reporting the payment status as Late 180 days, while XXXX is reporting late 120 days. Equifax has suppressed this account from being reported XXXX Inaccuracy : DATE LAST ACTIVE IS INACCURATE, XXXX is reporting the last active date XX/XX/XXXX, XXXX is reporting the last active date as XX/XX/XXXX. Equifax has suppressed this account from being reported. This is a sign of re-aging account. 
Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my XXXX credit file. 
XXXX # XXXX Inaccuracies : XXXX Inaccuracy : DATE OPENED IS INACCURATE, XXXX is reporting date opened XX/XX/XXXX, XXXX is reporting XXXX opened on XX/XX/XXXX. Equifax has suppressed this account from being reported. 
XXXX Inaccuracy : PAYMENT STATUS IS INACCURATE, XXXX is reporting the payment status as Late 180 days, while XXXX is reporting late 120 days. Equifax has suppressed this account from being reported XXXX Inaccuracy : DATE LAST ACTIVE IS INACCURATE, XXXX is reporting the last active date XX/XX/XXXX, XXXX is reporting the last active date as XXXX. Equifax has suppressed this account from being reported Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my XXXX credit file. 
XXXX XXXX # XXXX Inaccuracies : XXXX Inaccuracy : DATE OPENED IS INACCURATE, XXXX is reporting date opened on XX/XX/XXXX. Equifax and XXXX have both suppressed this account. 
XXXX Inaccuracy : DATE LAST ACTIVE IS INACCURATE, XXXX is reporting the last active date XX/XX/XXXX, XXXX is reporting the last active date as XX/XX/XXXX. XXXX is reporting date of last payment as XX/XX/XXXX. This is a sign of re-aging the account. Both XXXX XXXX Equifax has suppressed this account. 
Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my XXXX credit file. 
XXXX CARD # XXXX Inaccuracies : XXXX Inaccuracy : DATE OPENED IS INACCURATE, XXXX is reporting date opened XX/XX/XXXX, XXXX XXXX reporting date opened on XX/XX/XXXX. Equifax is reporting date opened XX/XX/XXXX. 
XXXX Inaccuracy : DATE LAST ACTIVE IS INACCURATE, XXXX is reporting the last active date XX/XX/XXXX, XXXX is reporting the last active date as XX/XX/XXXX. Equifax is reporting the last date active as XX/XX/XXXX. This is a sign of re-aging the account. 
Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my XXXX credit file. 
XXXX BK/REVI-account # XXXX Inaccuracies : XXXX Inaccuracy : DATE OPENED IS INACCURATE, XXXX is reporting date XXXX XXXX XXXX is reporting date opened on XX/XX/XXXX XXXX Equifax is reporting date opened XX/XX/XXXX. 
XXXX Inaccuracy : DATE LAST ACTIVE IS INACCURATE, XXXX is reporting the last active date XX/XX/XXXX, XXXX is reporting the last active date as XX/XX/XXXX. Equifax is reporting the last active date as XX/XX/XXXX. This is a sign of a re-aging account. 
XXXX Inaccuracy : Account says SOLD TO RESURGENT ACQUISITIONS LLC, this would be considered a duplicate account. 
Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my XXXX credit file. 
FAMILY TRUST-account # XXXX Inaccuracies : XXXX Inaccuracy : DATE OPENED IS INACCURATE, XXXX is reporting date opened XX/XX/XXXX, XXXX is reporting XXXX opened on XX/XX/XXXX Equifax is reporting XXXX opened XX/XX/XXXX. 
XXXX Inaccuracy : DATE LAST ACTIVE IS INACCURATE, XXXX is reporting the last active date XX/XX/XXXX, XXXX is reporting the last active date as XX/XX/XXXX. Equifax is reporting last active date as XX/XX/XXXX. This is a sign of a re-aging account. 
Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my XXXX credit file. 
XXXX XXXX # XXXX Inaccuracies : XXXX Inaccuracy : DATE OPENED IS INACCURATE, XXXX is reporting date opened XX/XX/XXXX, XXXX is reporting XXXX opened on XX/XX/XXXX. Equifax is reporting and open date of XX/XX/XXXX XXXX Inaccuracy : DATE LAST ACTIVE IS INACCURATE, XXXX is reporting the last active date XX/XX/XXXX, XXXX is reporting the last active date as XX/XX/XXXX. Equifax is reporting last active date as XX/XX/XXXX. 
Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my XXXX credit file. 
DOMENGY SC-account # XXXX Inaccuracies : XXXX Inaccuracy : LAST REPORTED DATE IS INACCURATE, XXXX is reporting XXXX last reported date as XX/XX/XXXX, XXXX is reporting XXXX last reported date as XX/XX/XXXX, and Equifax is reporting XXXX last reported date as XX/XX/XXXX. 
XXXX Inaccuracy : DATE LAST ACTIVE IS INACCURATE, XXXX is reporting the last active date as XX/XX/XXXX, XXXX is reporting the last active date as XX/XX/XXXX. Equifax is reporting the last active date as XX/XX/XXXX. This is a sign of re-aging the account. 
Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my XXXX credit file. 
BRCLYSBANKDE-account # XXXX Inaccuracies : XXXX Inaccuracy : DATE OPENED IS INACCURATE, XXXX is reporting date opened XX/XX/XXXX, XXXX is reporting XXXX opened on XX/XX/XXXX. Equifax has suppressed this account from being reported. 
XXXX Inaccuracy : DATE LAST ACTIVE IS INACCURATE, XXXX is reporting the last active date XX/XX/XXXX, XXXX is reporting the last active date as XX/XX/XXXX. Equifax has suppressed this account from being reported. This is a sign of a re-aging account. 
Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my XXXX credit file. 
XXXX BANK account # XXXX Inaccuracies : XXXX Inaccuracy : LAST REPORTED DATE IS INACCURATE, XXXX XXXX reporting last reported date of XX/XX/XXXX, Equifax XXXX reporting last reported date of XX/XX/XXXX XXXX has suppressed this account. 
XXXX Inaccuracy : DATE LAST ACTIVE IS INACCURATE, XXXX is reporting date last active of XX/XX/XXXX, Equifax is reporting date last active is XX/XX/XXXX, XXXX has suppressed this account from being reported. 
Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my XXXX credit file. 
XXXX BANK account # **** inaccurate account # no account number reporting Inaccuracies : XXXX Inaccuracy : DATE OPENED IS INACCURATE, XXXX is reporting date opened XX/XX/XXXX, Equifax and XXXX has suppressed this account from their credit file. 
XXXX Inaccuracy : DATE LAST ACTIVE IS INACCURATE, XXXX is reporting the last active date XX/XX/XXXX, Equifax and XXXX has suppressed this account from their credit file. 
Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my XXXX credit file. 
XXXX # XXXX Inaccuracies : XXXX Inaccuracy : DATE OPENED IS INACCURATE, XXXX is reporting date opened XX/XX/XXXX, XXXX is reporting XXXX opened on XX/XX/XXXX. Equifax is reporting the date opened on XX/XX/XXXX. 
XXXX Inaccuracy : DATE LAST ACTIVE IS INACCURATE, XXXX is reporting the last active date XX/XX/XXXX, XXXX is reporting the last active date as XX/XX/XXXX. Equifax is reporting the date last active date as XX/XX/XXXX. 
Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my XXXX credit file. 


Previous Actions Taken : I have previously contacted XXXX on XX/XX/XXXX to dispute this inaccurate information. Despite my efforts, XXXX has not corrected the report or provided a satisfactory resolution. [ Attach any correspondence or confirmation receipts from XXXX if available. ]