Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax, XXXX and XXXX is not complying with their own policies in a timely matter. They have not responded to my letters sent to them on XX/XX/XXXX and 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 Original XXXX XXXX XXXX XXXX XXXX Balance {$550.00} Balance updated XX/XX/XXXX Original balance {$550.00} Account number XXXX Date opened XXXX XXXX, XXXX Account type Collection Status Collection account. 

XXXXXXXX XXXX Credit usage 100 % Balance {$3100.00} Balance updated XX/XX/XXXX Credit limit {$2500.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card XXXX XXXX XXXX Balance details 66 % paid off Balance {$11000.00} Balance updated XX/XX/XXXX Original balance {$32000.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Transunion**** XXXX XXXX Last reported XX/XX/XXXX XXXX balance {$550.00} Original creditor XXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX mos ) Account status Open Responsibility Individual Remarks Placed for collection XXXX Last reported XX/XX/XXXX Reported balance {$3100.00} Credit limit {$2500.00} Credit limit {$2500.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Closed Type Credit card Responsibility Individual Remarks Profit and loss write-off Closed XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX Reported balance {$11000.00} Highest balance {$32000.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Closed Type Auto loan Responsibility Individual Remarks Profit and loss write-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Open balance {$530.00} XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Responsibility Individual Remarks Medical Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX Open balance {$550.00} XXXX XXXX Original creditor XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Responsibility XXXX Remarks Consumer disputes this account information Medical Original creditor name XXXX, XXXX XXXX XXXX Last reported XX/XX/XXXX Reported balance {$3100.00} Credit limit {$2500.00} You're using 126 % XXXX your account XXXX XXXX XXXX XXXX limit {$2500.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Closed Type Credit card Responsibility Individual Remarks Charged off account XXXX XXXX XXXX Last reported XX/XX/XXXX Reported balance {$10000.00} Highest balance Information not available Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Closed Type Auto Responsibility Individual Remarks Charged off account