Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

XX/XX/XXXX : I filed a complaint ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Inaccurate Charge-Off Information on Credit Report Dear Sir/Madam, I am writing to dispute the accuracy of the information contained in my credit report. Pursuant to Section 604 of the Fair Credit Reporting Act ( FCRA ), I am exercising my rights to ensure the information in my credit file is fair, accurate, and complete. Upon reviewing my credit report, I discovered an item indicating a charge-off by XXXX XXXX XXXX XXXX  on XX/XX/XXXX The specific details of this entry are as follows : Creditor Name : XXXX - XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Amount of Charge-Off : {$39000.00} Account Status : Charged-Off I believe this information is inaccurate for the following reasons : 1. I have no knowledge of the account. I request that you conduct a thorough investigation into this matter, as the FCRA requires. During this investigation, please verify the accuracy of the reported charge-off and provide me with any documentation supporting its validity. Furthermore, if you can not verify the accuracy of this information, I demand that you promptly remove the charge-off from my credit report per the FCRA. Please notify me of the results of your investigation in writing within 30 days, as stipulated by law. Enclosed are copies of relevant documents supporting my dispute, including [ list any supporting documents you are including, such as payment records or correspondence with the creditor ]. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the resolution of my dispute. Sincerely, XXXX XXXX. XXXXCOMPANY 'S RESPONSE : We reviewed their account and determined its valid. Heres what we found during our review. We confirmed that the business account was open on XX/XX/XXXX, the last payment we received was for {$420.00} on XX/XX/XXXX. The account charged off on XX/XX/XXXX, with a balance of {$38000.00}. We also show that your client disputed the account directly with the credit bureaus and we reviewed the account multiple times between XX/XX/XXXX, and XX/XX/XXXX. Your client was held liable due to payments made from a checking account in your clients name. We reviewed their account again on XX/XX/XXXX, and confirmed that your client will remain liable due to payments being made from a checking account in your clients name, on XX/XX/XXXX, rewards points were redeemed and deposited into a checking account in your clients name ; and also statements were mailed to an address verified to your client and they were not returned. We have enclosed the validation letter mailed on XX/XX/XXXX, and page XXXX of the application as the additional pages are not provided, as they contain proprietary information and are unrelated to your request. The last three account statements. We decline your request to provide any additional documents. For the above reasons, the account isnt fraudulent, and your client is liable for the balance. Because the information we send to the credit reporting agencies must accurately reflect your clients account activity and status, we can not comply with their request for an update. If you have any additional questions pertaining to the balance, please contact our Collections Department directly at XXXX. XX/XX/XXXX : I filed a complaint ( XXXX ). The company responded that this complaint appears to be a duplicate of a complaint we've already received. We've included a reference to this complaint on that record. Without looking at the evidence attached. XX/XX/XXXX : I filed a NEW complaint, and I have attached the police report, FBI report, XXXX determination letter, and Account fraud and closure letter ; this was attached in the