Consumer complaint received 2024-04-10
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. (GA)

I am writing to follow up and formally register my dissatisfaction and frustration regarding the persistent delays in rectifying late open accounts and removing closed accounts from my records. Despite multiple attemptsthis being how many timesthere has been no satisfactory resolution to this matter. Despite my repeated efforts to resolve the issue, there has been an ongoing delay in correcting the late open accounts and removing the closed accounts from my records. This prolonged negligence is causing significant inconvenience and distress. The unresolved discrepancies have adversely affected my credit score, which in turn has implications for my financial transactions and future endeavors. It is imperative that these errors are promptly rectified to prevent any further damage to my creditworthiness. Failure to address these concerns adequately will leave me with no choice but to escalate this matter further, which may include seeking legal counsel and reporting the issue to relevant regulatory authorities. With this, I am asking for your assistance to remove or correct these accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$330.00} - Please check the Payment History and Status information on this account and adjust accordingly. XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$6800.00} - How can you report this account as Late when my record shows that this account was paid as Agreed and Balance is XXXX. Please adjust immediately. XXXX XXXX XXXX XXXX Balance : {$4100.00} - Never Paid Late. The records reflect a XXXX without preceding XXXX, XXXX or 90 days. This is a massive error. Investigate all records closely. Ensure all info is truly accurate including address, all spelling, XXXX, XXXX, etc. XXXX XXXX XXXX XXXX Balance : {$10000.00} - Never late on this account It has been deferred because I'm still in school. Also, how can it be 120 days late without first posting 30 days late? major error. Please verify all info is true, accurate, and correct incomplete name spelling, address of record, etc. XXXX XXXX XXXX XXXX Balance : {$1500.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. XXXX XXXX XXXX XXXX Balance : {$6900.00} - XXXX am not late on this account. My record shows that this account was Paid as Agreed and XXXX XXXX is XXXX. Please adjust immediately. XXXX XXXX XXXX XXXX Balance : XXXX - Please check the Payment History and Status information on this account and adjust accordingly. XXXX XXXX XXXX XXXX Balance : {$8300.00} - You are reporting different information from other bureaus. XXXX FCRA, reporting must be 100 % accurate or the information must be updated. XXXX XXXX XXXX XXXX : {$1600.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. XXXX XXXX XXXX XXXX Balance : {$9700.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. XXXX XXXX XXXX XXXX Balance : {$5700.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. XXXX XXXX XXXX XXXX Balance : {$3300.00} - Please take off the late things from this account because I think I made my payment on time. XXXX XXXX XXXX XXXX Balance : {$7300.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. XXXX OF XXXX XXXX Balance : {$3100.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. XXXX XXXX XXXX XXXX : {$7000.00} - The payment history of this account is incorrect. This was on forbearance under XXXX XXXX. Please investigate and update with lawful accuracy. XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. XXXX XXXX XXXX : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information XXXX be wrong. I need this removed immediately.