Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have been reaching out to XXXX XXXX  XXXX and the credit bureaus since XXXX to XXXX XXXX and they still have not resolved the problem on my credit report. 

I am writing to bring to your attention certain discrepancies and potential violations related to my credit report, specifically pertaining to an entry from XXXX XXXX XXXX. The information on my credit report does not appear to be in compliance with federal regulations, specifically the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). 

Account Information : Date of Last Activity : XXXX - XX/XX/XXXX, Equifax - XX/XX/XXXX Date Reported : XXXX - XX/XX/XXXX, Equifax - XX/XX/XXXX Account Rating : XXXX lists the account as " Derogatory, '' while XXXX XXXX has a blank rating. 
Late Payments : XXXX - XXXX late on XX/XX/XXXX, Equifax - XXXX late on XX/XX/XXXX Past Due Amount : Both XXXX and Equifax report a past due amount of {$390.00}. 
Account Type : XXXX reports it as a " credit line secured. '' Specific Violations and Non-Compliance : Date of Last Activity : The reported date of last activity does not match between XXXX and Equifax. Such discrepancies can mislead creditors and can be considered a violation of the FCRA, which requires accurate and consistent reporting. 

Account Rating : XXXX reports the account as " Derogatory, '' while Equifax and XXXX XXXX provide no rating. The inconsistency in the account rating between XXXX and the others violates the FCRA, which mandates the accurate representation of a consumer 's creditworthiness. 

Late Payments : There is a discrepancy in the reported dates of late payments between XXXX and Equifax. Such discrepancies may harm my credit profile and may be in violation of the FCRA.

Past Due Amount : Reporting a past due amount when there is no outstanding balance violates the FCRA, which requires that all information on a credit report be accurate. 

Account Status : XXXX reports the account as " Closed, '' while XXXX XXXX states it is " Open. '' This inconsistency is a violation of FCRA, which requires consistent reporting of account status. 

High Balance : Equifax reports a high balance of {$520.00}, which does not match the credit limit and balance information reported by the other credit bureaus. This inconsistency is a violation of the FCRA 's requirement for accurate and consistent reporting. 

Different Account Numbers : The use of different account numbers by XXXX and Equifax may lead to confusion and is a violation of the FCRA 's requirement for accurate reporting. 

I respectfully request that the Consumer Financial Protection Bureau investigate these discrepancies and potential violations. I also kindly request that Bank of America correct these inaccuracies on my credit reports as required by law. My aim is to ensure that my credit report accurately reflects my financial history and does not negatively impact my creditworthiness unjustly. 

Thank you for your prompt attention to this matter, and I appreciate your assistance in resolving this issue.