Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

On XX/XX/year>, I reviewed my credit report and observed there are still several inaccuracies and incomplete information. I have previously notified you of the inaccurate information. According to the Fair Credit Reporting Act ( FCRA ), it is mandated that consumer reporting agencies must employ reasonable procedures to ensure the highest possible accuracy of information contained within consumer reports. Specifically, the following accounts appear to be incomplete and inaccurate : Furthermore, as per 15 USC 1681s-2, it is unlawful for any entity to furnish information about a consumer to a consumer reporting agency if they have knowledge or reasonable cause to believe that the information is inaccurate. Attached is a few of the things You are currently in violation of several laws that include.15 USC 1681i, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). This has caused me tremendous hardship and I would like for this to be remove immediately. 

The Information being reported is wrong 1. Date Account Open 2. Payment Status 3. Late Payment Status 5. High Credit XXXX Account Number : XXXX Please remove it from my credit report. 

The Information being reported is wrong 1. Date Account Open 2. Payment Status 3. Late Payment Status 5. High Credit XXXX Account Number : XXXX Please remove it from my credit report. 

The Information being reported is wrong 1. Date Account Open 2. Payment Status 3. Late Payment Status 5. High Credit XXXX Account Number : XXXXXXXX  Please remove it from my credit report. 

The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

This account is reporting open and closed and the account has inaccuracies. It is also reporting as a charge off and the balance should be XXXX XXXX XXXX XXXX XXXX IN XXXX Account Number : XXXX Please remove it from my credit report. 

This account is reporting open and closed and the account has inaccuracies. It is also reporting as a charge off and the balance should be XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and eliminate these items from my credit report. It is my understanding that you will verify these items with the relevant creditor. Please delete any information that the creditor is unable to verify. I am aware that, pursuant to 15 U.S.C. Sec. 1681i ( a ), you are required to complete this investigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the aforementioned address. According to the Act, there should be no charge for this updated report. Additionally, I kindly request that you notify any parties who have received my credit report in the past six months of the necessary corrections. 
Thank you for your attention and assistance in resolving this matter. 
Sincerely, XXXX XXXX