Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

I sent a request to open a dispute in regards to accounts that are reporting inconsistently on my credit report. To my understanding when it comes to credit reporting. My accounts should reflect the same information across all credit bureaus. From what I see this is not the case. I sent a dispute before this one acknowledging the fact that I wanted to dispute the accounts below that I'm re-disputing because I didn't receive a response back about my last dispute. Please look into my concerns. The information reporting is not accurate as as a result I am requesting it be addressed. 

XXXX XXXX ( Original XXXX XXXX XXXX  ) : Account number : XXXX, The balance is {$0.00} due to the data furnishers failure to comply with UCC Article 9. Delete the account. 

XXXX XXXX ( Original XXXX XXXX XXXX  XXXX ) : Account number : XXXX, I don't believe this account is reporting accurately as an account that belongs to me. You need to remove the account immediately.. 

XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX  ) : Account number : XXXX, This is an unauthorized account that is reporting. Remove this account ASAP. 

XXXX XXXX  ( Original XXXX XXXX  XXXX XXXX  XXXX XXXX  ) : Account number : XXXX, This account is unfamliar to me. Delete the account. 

XXXX XXXX : Account number : XXXX, A charge off account with balance? Clearly, this is an inaccuracy. Delete the account. 

XXXX XXXX XXXX : Account number : XXXX, This account is paid and never late. Update this on my report. 

XXXX XXXX XXXX : Account number : XXXX, This account is paid and never late. Update this on my report. 

XXXX XXXX : Account number : XXXX, I don't believe this account is reporting accurately. Delete the account as to I don't have an agreement with this company. 

XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, I don't believe this account is reporting accurately. It does not belong to me. Please delete from this credit report. 

XXXX : Account number : XXXX, The status of this account is showing as a charge off however how can it be a charge off when it was paid? This is an error. Delete the account. 

XXXX : Account number : XXXX, This account is paid and never late. Update this on my report. 

XXXX : Account number : XXXX, This debt is stating it is a charge off with a balance of {$0.00}. The debt was forgiven. How can it be a charge off? This is no debt to charge off. Erase the account from my credit report. 

XXXX  XXXX : Account number : XXXX, This is an unauthorized account that is reporting. Remove this account ASAP. 

As quickly as possible, the information needs to be removed from my report if you find that the information reported in incomplete, inaccurate, and unverifiable. Due to the lack of responding to my prior dispute one can assume that this falls under estoppel by silence. Since this seems to be the case I would appreciate the adherence to my request involving these accounts. There has been a grave mistake in your reporting because the material is false and deceptive. 

Please take note that you are also required to submit a summary of the process you used to assess the completeness and accuracy of the information. This description must be sent within fifteen ( 15 ) days of your re-investigation 's conclusion. I am requesting my results by mail as well with an update. 

Sincerely, XXXX XXXX XXXX