Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Dear Credit Bureau, I am writing to initiate a formal dispute under the provisions of the Fair Credit Reporting Act ( FCRA ) concerning inaccuracies present in my credit report, specifically related to the XXXX XXXX credit card account, managed by XXXX ( XXXX ). Additionally, I would like to address a separate concern regarding the incorrect reporting of my address associated with this account. 
Upon careful examination of my credit report, it has come to my attention that the address associated with the aforementioned account is inaccurately reported. This inaccuracy is inconsistent with my actual residence and may lead to further complications. I request immediate correction of the address associated with the XXXX XXXX credit card account to align with my accurate and current residential information, as mandated by the FCRA under 15 U.S.C. 1681i ( a ). 
In addition to the address correction, I am disputing the following inaccuracies within the credit reporting related to this account : * Equifax : * Reporting Date : XXXX XXXX, XXXX * Last Payment : XXXX XXXX, XXXX * Current Payment Status : Current * Amount Past Due : {$0.00} * Worst Payment Status : Current * Account Details : Paid and Closed, Closed on XXXX XXXX, XXXX * Remarks : Account closed at consumer 's request ; Consumer disputes after resolution * XXXX : * Reporting Date : XXXX XXXX, XXXX * Last Payment : XXXX XXXX, XXXX * Current Payment Status : Current * Amount Past Due : {$0.00} * Worst Payment Status : XXXX Days Late * Account Details : Paid, Closed on XXXX XXXX, XXXX * Remarks : Dispute resolved; Consumer disagrees ; Account closed by consumer * XXXX : * Status Updated : XX/XX/XXXX * Payment History : 30 days past due as of XX/XX/XXXX I insist on the following corrective actions : * Address Correction : * Immediately correct the address associated with the XXXX XXXX credit card account to reflect my accurate residential information. 
* Delete Falsely Reported Late Payments in XXXX : * Rectify the inaccurate reporting of late payments in XXXX, as they occurred after the account was fully paid off in XX/XX/XXXX, in compliance with 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

* Update Closure Date : * Ensure that the closure date of the account is accurately reflected as of XXXX XXXX, XXXX, across all credit reports, pursuant to 15 U.S.C. 1681i ( a ).

* Correct Remarks and Upgrade to Highest Positive Status : * Revise the remarks to accurately reflect that the account was closed at my request and promptly update the status to the highest positive standing, in adherence to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

I hereby notify you of my intent to submit supporting documentation, including bank statements, to substantiate the accuracy of my claims. Failure to address these inaccuracies promptly may result in the initiation of arbitration proceedings, as permitted under 15 U.S.C. 1681s-2 ( c ) ( 1 ) ( B ). 
I trust that you will conduct a thorough investigation in accordance with the FCRA and diligently address the discrepancies outlined above. Your immediate attention to this matter is imperative in restoring the accuracy and fairness of my credit report. 
Thank you for your prompt cooperation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX