Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I sent my dispute letter via mail to Equifax, and XXXX stating a request for a verified and validation of the accounts listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that they conduct a re-investigation of these accounts and provide me with the following information : XXXXThe name of the person who verified and validated this information XXXX.Their title and position within the company XXXX. Proof and certification of thee information provided XXXX responds was the accounts were verified and updated. As well as Equifax. 

as I recently pull my credit report I STILL noticed some inaccuracies and discrepancies, which follows XXXX lists the account type as " Revolving '' and details it as a " Charge account. '' XXXX does not provide a detailed account type, which leads to an inconsistency in the way this account is being reported. 
XXXX. Date Opened : XXXX reports the date opened as " XX/XX/XXXX. '' XXXX reports the date opened as " XX/XX/XXXX. '' This discrepancy in the account opening date can lead to inaccurate credit reporting and affect the calculation of my credit age. 
XXXX Credit XXXX XXXX XXXX lists the credit limit as " {$3200.00}. '' XXXX lists the credit limit as " {$0.00}. '' The incorrect reporting of a {$0.00} credit limit is inaccurate and affects my credit utilization ratio, which is a critical component of my credit score. 
XXXX. Date Last Active : XXXX lists the date last active as " XX/XX/XXXX. '' XXXX lists the date last active as " XX/XX/XXXX. '' The date last active is inconsistent, which could affect the reporting of account activity and status. 
XXXX. Date of Last Payment : XXXX reports a last payment date of " XX/XX/XXXX, '' while XXXX provides no such date. This inconsistency affects the accuracy of the accounts payment history. 
XXXX. High Credit : XXXX and XXXX both report a high credit of {$2000.00}. However, Equifax does not list this information, causing a discrepancy. 
XXXX. Reporting of Monthly Payment and Account Balance : XXXX and XXXX both report the monthly payment as " {$0.00} '' and the balance as " {$0.00}, '' but there is no consistent reporting across all bureaus regarding these values. 
XXXX. Comments and Account Status : The comments and account status show that this account has been charged off and purchased by another lender. However, the specific dates of the charge-off and sale are not consistently reported across the bureaus, which can lead to misunderstandings about the current status of this account. 
XXXX. XXXXYear Payment History : The payment history reported by Equifax indicates the account was " OK '' for several months, but this information is inconsistent with the derogatory status reported by other bureaus, suggesting errors in the reported payment history.

Legal Basis for Dispute : Under 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report. The Fair Credit Reporting Act requires credit reporting agencies to ensure the accuracy of the information they provide and to promptly investigate any disputed items.