Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Dispute of Inaccurate Credit Reporting Information Dear Equifax, I hope this letter finds you well. I am writing to dispute multiple inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) on my Equifax credit report. Upon reviewing my credit report, I have discovered discrepancies and violations that require immediate attention and correction. 

XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Pays account as agreed Balance : {$0.00} Original Balance : {$500.00} Issues : Violation of FCRA Section 611 ( a ) ( 2 ) ( A ) : Accuracy of Information The payment history for the " SELF RENT - LEVEL CR '' account is inaccurately reported as " No payment history available to display. '' This violates FCRA Section 611 ( a ) ( 2 ) ( A ), which mandates maximum possible accuracy in credit reports. 
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( Closed ) Status : Pays account as agreed ( as per your credit report ) Balance : {$0.00} ( as per your credit report ) Original Balance : {$720.00} ( as per your credit report ) Issues : Violation of FCRA Section 611 ( a ) ( 1 ) ( A ) : Duty to Correct Inaccurate Information I previously disputed and resolved this issue with XXXX and XXXX. Equifax 's failure to update the information violates FCRA Section 611 ( a ) ( 1 ) ( A ). 
XXXX. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX ( Closed ) Status : Charge-off Balance : {$610.00} Past Due Amount : {$610.00} Issues : Violation of FCRA Section 611 ( a ) ( 2 ) ( A ) : Accuracy of Information The payment history inaccurately reports 25 potentially negative months, which violates FCRA Section 611 ( a ) ( 2 ) ( A ). 
XXXX. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( Closed ) Status : Charge-off Balance : {$160.00} Past Due Amount : {$160.00} Issues : Violation of FCRA Section 611 ( a ) ( 2 ) ( A ) : Accuracy of Information The payment history inaccurately reports 10 potentially negative months, violating FCRA Section 611 ( a ) ( 2 ) ( A ). 
XXXX. Inquiries : XXXX XXXX - Inquired on XX/XX/XXXX Business Type : Auto Financing Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX Scheduled to continue on record until XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX Business Type : Bankcard Scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX  - Inquired on XX/XX/XXXX Business Type : Auto Financing Address : XXXX XXXX, XXXX, SC XXXX XXXX : ( XXXX ) XXXX Scheduled to continue on record until XX/XX/XXXX XXXX, XXXX - XXXX on XX/XX/XXXX Business Type : Automobile Dealers, New Address : XXXX XXXX XXXX, XXXX, GA XXXX XXXX : ( XXXX ) XXXX Scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX Business Type : Automobile Dealers, New Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX : ( XXXX ) XXXX Scheduled to continue on record until XX/XX/XXXX XXXX XXXX - Inquired on XX/XX/XXXX Business Type : Auto Financing Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX XXXX ) XXXX Scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX Business Type : Auto Financing Scheduled to continue on record until XX/XX/XXXX I kindly request that Equifax takes immediate action to rectify these violations of the FCRA. Specifically, I am requesting the following actions : Update the payment history for the mentioned accounts to accurately reflect my payment history. 
Ensure that my Equifax credit report aligns with the corrected information on my XXXX and XXXX reports for the " XXXX XXXX XXXX XXXX XXXX '' account. 
Ensure the accuracy of the reported information for the " XXXX XXXX XXXX, '' " XXXX XXXX, '' and " XXXXXXXX XXXX '' accounts in line with FCRA requirements. 
Investigate and confirm the accuracy of the inquiries mentioned above. 
Under the FCRA, I expect a prompt resolution to these disputes, within the legal timeframe of 30 days. Failure to comply with the FCRA 's requirements may result in legal consequences. 

Thank you for your attention to this matter and your cooperation in resolving these violations promptly. I look forward to receiving written confirmation of the corrections made to my Equifax credit report.