Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute inaccurate information that is currently being reported on my credit report. The following closed installment accounts are being inaccurately reported, and I am requesting an immediate investigation and correction of these errors : XXXX XXXX  Company/No account number [ Exhibit A ] Current Status : Last updated was on XX/XX/XXXX, high balance of {$490.00} opened on XX/XX/XXXX, closed on XX/XX/XXXX, and last activity was XX/XX/XXXX. 
Correct Status : This account was paid off and closed. Please remove the 30 day past due that shows on XX/XX/XXXX and update it with an XXXX. 

XXXX XXXX  Company/No account number [ Exhibit B ] Current Status : Last updated was on XX/XX/XXXX, high balance of {$270.00}, opened on XX/XX/XXXX, closed on XX/XX/XXXX, and last activity was XX/XX/XXXX. 
Correct Status : This account was paid off and closed. Please remove the 30 day past due that shows on XX/XX/XXXX and update it with an XXXX. 

XXXX XXXX XXXX account number [ XXXX XXXX. A ] Current Status : Last updated was on XX/XX/XXXX, high balance of {$490.00}, opened on XX/XX/XXXX, closed on XX/XX/XXXX, and last activity was XX/XX/XXXX. 
Correct Status : This account was paid off and closed. Please remove the 30 day past due that shows on XX/XX/XXXX and update it with an XXXX. 

XXXX XXXX Co XXXX XXXX [ Exhibit C ] Current Status : Last updated was on XX/XX/XXXX, balance is {$490.00}, high balance of {$850.00}, opened on XX/XX/XXXX, and last activity was XX/XX/XXXX Correct Status : The information on this account is inaccurate. According to my records, the account was opened in XX/XX/XXXX, but the payment history does not reflect this accurately. The payment history indicates " NO, '' meaning the account was not open, as per the myFICO account legend. 
When I review this account on Equifaxs website, it initially shows zero late payments. However, upon closer inspection, it states the account is over 120 days past due. Additionally, the details tab lists the date of first delinquency as XX/XX/XXXX. Contrarily, the payments tab shows I made an on-time payment in XX/XX/XXXX. 
The account also indicates my last payment was in XX/XX/XXXX, but this is not reflected anywhere in the account details. The original balance was {$850.00}, with {$350.00} reported as paid, leaving a remaining balance of {$490.00}. Yet, the payment tabs only show on-time payments in XXXX and XXXX of XXXX, which conflicts with the historical tab. 
The historical tab states my payments as follows : In XXXX : {$65.00} in XXXX In XXXX : {$32.00} in XXXX, {$70.00} in XXXX, and {$13.00} in XXXX In XXXX : {$37.00} in XXXX, {$36.00} in XXXX, and {$30.00} in XXXX These payments total {$280.00}, which does not align with the account 's reported balance or payment history. This account has been inaccurately affecting my credit report and score since XXXX. Please update this account to correct these inaccuracies and remove all late payments to resolve the negative impact on my credit. 

XXXX. XXXX XXXX XXXX  XXXX  XXXX [ Exhibit D ] Current Status : Last updated was on XX/XX/XXXX, high balance of {$850.00}, opened on XX/XX/XXXX, closed on XX/XX/XXXX, and last activity was XX/XX/XXXX. 
Correct Status : This account was paid off and closed. Please remove the 30 day past due that shows from XXXX of XXXX and update it with an XXXX. 

Additionally, there are a few accounts on my credit report that are being reported without account numbers. I contacted the original creditors, but they could not find these accounts in their database. This raises further concerns about the accuracy of the information being reported. There are also some collection accounts that are fraudulent, some duplicate accounts, and some accounts that are charge-off. Charge offs are considered as income according to the IRS and Income can not be reported on a consumers credit report. Any account that's showing a charge off should be removed. 
I previously submitted a dispute through the Equifax website on XX/XX/XXXX, but despite the dispute being marked as complete, the inaccuracies were not corrected. This leads me to believe that a proper re-investigation of my initial dispute was not conducted. 

Attached, you will find copies of relevant documents that support my claim and show that these accounts were closed and inaccurate and should be reported as such. 

I kindly request that you investigate these matters thoroughly and correct the inaccuracies on my credit report. Please update the status of these accounts and provide me with a corrected copy of my credit report. 
Thank you for your prompt attention to this matter. If you require any further information or documentation from me, please do not hesitate to contact me at the phone number or email address provided above. 

Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved