Consumer complaint received 2024-10-17
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. (NY)

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information Dear Sir/Madam , I am writing to dispute inaccurate information listed on my credit report provided by Equifax. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX XXXX # XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Based on the provided image of the credit report for the XXXX  XXXX account across XXXX , XXXX, and Equifax , here are the key details to compare and potential inaccuracies to consider disputing : Date Opened : XXXX & Equifax : XX/XX/XXXX, XXXX : XX/XX/XXXX. There's a discrepancy in the reported date the account was opened between XXXX and the other two bureaus. 
High Credit : XXXX XXXX Equifax : {$5300.00}, XXXX : {$0.00}. XXXX incorrectly reports High Credit as {$0.00}, which might imply no usage.

Credit Limit : XXXX : {$4700.00}, XXXX XXXX Equifax : {$0.00}. XXXX and Equifax do not report a credit limit. 
Last Reported : XXXX & XXXX : XX/XX/XXXX, Equifax : XX/XX/XXXX. Equifax 's last reported date is earlier than the other two, potentially affecting the duration the account appears on the credit report. 

Comments : XXXX : Charged off as bad debt. Dispute resolved ; reported by grantor. XXXX : Account was in dispute- now resolved - reported by subscriber. Equifax : Charged off account. Accounts closed by credit grantor. Varying comments might affect how future creditors view the account status. 
Date Last Active : XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, Equifax : XX/XX/XXXX. Significant variation in the last active date, especially between Equifax and the other two bureaus.

Date of Last Payment : XXXX & XXXX : XX/XX/XXXX, Equifax : XX/XX/XXXX. Equifax reports an earlier last payment date, which might affect the calculation of delinquencies.

Payment History : There appear to be variations in the recorded payment history across the bureaus, especially in terms of reported late payments, not clearly shown but implied by date discrepancies.

Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including documents/evidence supporting the claim, such as billing statements, payment records, or correspondence with creditors.

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law.

I am also including a copy of my dispute to the organizations below.

CC : Assistant Director of Enforcement Consumer
Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Attorney Generals Office CC : State Senate CC : Federal Trade Commission CC : State Regulatory Agency