Consumer complaint received 2024-01-17
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. (MO)

I am writing to express my deep frustration and disappointment regarding the multiple unsuccessful attempts I have made to rectify the late payments, closed accounts, and charge-offs on my credit report with your agency. Despite my persistent efforts to address this issue, these derogatory marks continue to adversely impact my creditworthiness and financial well-being. 

It is crucial to note that these entries are inaccuracies and do not reflect my current financial standing or responsible credit behavior. 

I first identified the inaccurate late payments, closed accounts, and charge-offs on my credit report and promptly initiated a dispute with your agency. 
I submitted the required documentation and evidence supporting my claim that the reported information is erroneous and should be removed. 
I received a response acknowledging the receipt of my dispute and was informed that an investigation would be conducted. 
After several weeks, I received a response stating that the investigation had been completed, but the negative entries would remain on my credit report. 
Dissatisfied with the outcome, I provided additional evidence and requested a reevaluation of my dispute. 
I followed up on my dispute, seeking updates on the progress, and was informed that the matter was still under review. 
I submitted another round of supporting documentation as per your agency 's request. 
Despite my efforts, the inaccurate late payments, closed accounts, and charge-offs persist on my credit report. 
This prolonged failure to address and rectify the inaccuracies on my credit report is causing significant financial harm and distress. I am now seeking immediate action to correct this matter and eliminate the inaccuracies from my credit history. I kindly request the following : An expedited and thorough review of my dispute, with a commitment to a specific timeline for resolution, not exceeding 30 days. 
A comprehensive and fair investigation into the late payments, closed accounts, and charge-offs, including a thorough examination of all provided evidence. 
The complete and permanent removal of the inaccurate late payments, closed accounts, and charge-offs from my credit report once the investigation is complete. 
A written confirmation of the resolution of my dispute and the removal of the inaccuracies from my credit report. 
Failure to address this issue promptly and effectively will leave me with no choice but to explore all available legal avenues to protect my rights and financial interests. I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
XXXX XXXX Balance : {$810.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. XXXX XXXX XXXX Balance : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.