Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

To whom it may concern : I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, Section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report! This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report. 
XXXX XXXXXXXX XXXX XXXXXXXX Equifax Equifax Account # : XXXX Account Description : Joint Contractual Liability Account Rating : As Agreed Account Status : Open Account Type : Installment Balance Owed : {$24000.00} Closed Date : -- Credit Limit : -- Creditor Remarks : -- Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX  High Balance : {$37000.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$640.00} Payment Frequency : -- Payment Status : As Agreed Term Length : -- Loan Type : Automobile I found no evidence of a late payment for account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please provide proof or update to " paid as agreed, never late. '' The XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) cases confirm the need for immediate action. 

XXXX XXXXXXXX XXXX Equifax Equifax Account # : XXXX Account Description : Individual Account Rating : As Agreed Account Status : Open Account Type : Revolving Balance Owed : {$14.00} Closed Date : -- Credit Limit : XXXX Creditor Remarks : -- Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : {$5100.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$14.00} Payment Frequency : -- Payment Status : As Agreed Term Length : -- Loan Type : Credit Card I'm disappointed that you have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws. This is a major deficiency! I demand that this flawed, inaccurate report be deleted immediately or else legal action will ensue against your company for failing to meet certain requirements set out in law with regards to these matters. It's very important that we are aware of what kind of documentation we should be looking for so that we don't get caught flat-footed when things go south later down the road and an issue which may have been preventable occurs due to a lack of accurate information. 
XXXX XXXXXXXX XXXX Equifax Equifax Account # : XXXX Account Description : Individual Account Rating : Collection Or ChargeOff Account Status : Closed Account Type : Installment Balance Owed : {$0.00} Closed Date : -- Credit Limit : -- Creditor Remarks : CHARGED OFF ACCOUNT Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : -- Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : -- Payment Frequency : -- Payment Status : CollectionOrChargeOff Term Length : -- Loan Type : Unsecured The content mentioned above was never certified to meet the reporting standards. The data provided was never verified, so it's possible that it's not accurate or up-to-date. I need documentation that confirms this data is in line with the reporting obligations and any consumer protection laws. If this information is inaccurate or incomplete, I demand that it be deleted immediately. 
XXXX XXXXXXXX XXXX Equifax Equifax Account # : XXXX Account Description : Individual Account Rating : AsAgreed Account Status : Closed Account Type : Installment Balance Owed : {$0.00} Closed Date : -- Credit Limit : -- Creditor Remarks : FIXED RATE Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : {$21000.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : -- Payment Frequency : -- Payment Status : AsAgreed Term Length : -- Loan Type : Automobile The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I demand that this information be deleted immediately, as it is deficient. 
XXXX XXXX XXXX 
Equifax Equifax Account # : XXXX Account Description : Individual Account Rating : CollectionOrChargeOff Account Status : Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX I am sending this complaint to the following agencies as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also I am attaching a copy of this letter below and will keep it for communication reference should this matter not be looked into and resolved appropriately, I will present this letter in court as proof of communication