Consumer complaint received 2024-09-12
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute of Inaccuracies on Credit Report Dear XXXX, I am writing to formally dispute inaccuracies in my credit report. After reviewing my reports from XXXX, Equifax, and XXXX, I have identified several discrepancies related to an account listed as a charge-off. 



Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX : Account number is XXXX. 
Equifax : Account number is XXXX. 
XXXX : Account number is XXXX. 
Account Type : Automobile Account Status : Charge Off Open Date : XX/XX/XXXX Discrepancies Identified : Account Number Discrepancy : XXXX : Account number is XXXX. 
Equifax : Account number is XXXX. 
XXXX : Account number is XXXX. 
The account number reported by XXXX differs from those reported by Equifax and XXXX. Please update this information to ensure consistency across all reports, as required by the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 to 1681x ]. 
Highest Balance Reported : XXXX : Highest Balance is {$16000.00}. 
Equifax : Highest Balance is not listed. 
XXXX : Highest Balance is not listed. 
The Highest Balance should be reported accurately or consistently across all bureaus. Please verify and update the Highest Balance on Equifax and XXXX as required by the FCRA [ 15 U.S.C. 1681 to 1681x ]. 
Payment History Inconsistencies : XXXX : No payment history is available. 
Equifax : Detailed payment history shows various late payments and charge-offs. 
XXXX : Payment history matches Equifaxs data in terms of charge-offs and late payments but lacks data for XX/XX/XXXX and beyond. 
The payment history on XXXX does not match the detailed records on Equifax and XXXX. Please correct this error to reflect the accurate payment history in accordance with the FCRA [ 15 U.S.C. 1681 to 1681x ]. 
Delinquency Status : XXXX : Shows 0 times 30/60/90 days late. 
Equifax : Shows 3 times 30 days late, 23 times 90 days late. 
XXXX : Shows 3 times 30 days late, 23 times 90 days late. 
XXXX report indicates no delinquencies, while Equifax and XXXX report multiple instances of late payments. Please correct this error to reflect the accurate delinquency status, as stipulated by the FCRA [ 15 U.S.C. 1681 to 1681x ]. 
Dispute Status : XXXX : Dispute Resolved - Subscriber Disagrees. 
Equifax : Consumer Disputes - Reinvestigation In Progress. 
XXXX : Consumer Disputes - Reinvestigation In Progress. 
The status of the dispute is inconsistent. Please update the status across all reports to reflect the most current and accurate information as required by the FCRA [ 15 U.S.C. 1681 to 1681x ]. 
Last Activity Date : XXXX : XX/XX/XXXX. 
Equifax : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
The last activity date varies. Please verify and update this date to reflect the accurate last activity for the account, in compliance with the FCRA [ 15 U.S.C. 1681 to 1681x ]. 


Legal References and Requests : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681c-2 : Requires a consumer reporting agency to block the reporting of information resulting from alleged identity theft within 4 business days of receipt of notification. 
15 U.S. Code 1681e ( b ) : Requires that consumer reports be maintained with maximum possible accuracy. 
15 U.S. Code 1681i ( 5 ) : Requires accurate reporting and timely resolution of disputes. 
Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S. Code 1692 to 1692p : Protects consumers from abusive debt collection practices and mandates accurate reporting of debts. 
Credit Card Accountability, Responsibility, and Disclosure ( CARD ) Act : 15 U.S. Code 1666i : Covers various aspects of credit and charge accounts, including accurate reporting and dispute resolution. 
Privacy and Consumer Rights : 15 U.S. Code 1681 Section 602 A : Grants the right to privacy and accuracy in credit reporting. 
15 U.S. Code 1681 Section 604 A Section 2 : Prohibits furnishing of consumer reports without the consumer 's written authorization. 


I am requesting that you provide the original copy of the agreement and terms & conditions associated with this account. Failure to comply will result in the forfeiture of your claims and necessitate the deletion of the items listed above from my credit report. Additionally, you are required to block these transactions from being reported to my consumer report within 4 business days from the date of receipt of this notice. 



Failure to resolve these inaccuracies and comply with the legal requirements will lead me to seek damages of {$1000.00} per account as provided by law. 



I look forward to your prompt response. 

Sincerely, XXXX XXXX