Consumer complaint received 2024-01-27
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. (AZ)

I am writing to express my frustration and disappointment with the repeated attempts to correct late open accounts and the removal of inaccurately reported entries, including late closed accounts, charge-offs, public records, and accounts included in bankruptcy, on my credit report. Despite my persistent efforts to rectify these issues, they persist, causing significant harm to my creditworthiness and financial well-being. I am filing this formal complaint to seek urgent attention to these matters and to request immediate corrective action. 

I have previously disputed these entries on multiple occasions, providing comprehensive documentation supporting my claim that these entries are inaccurate and damaging to my credit history. Despite my ongoing efforts and the legal obligation for accurate and fair credit reporting, these entries persist on my credit report. 

I wish to emphasize that the Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to conduct a timely and thorough investigation into consumer disputes. It is concerning that an extended period has passed without a satisfactory resolution, and the adverse impact on my credit continues to escalate. 

In light of the severity of the situation, I request the following actions : XXXX a comprehensive and immediate investigation into the accuracy of the late open accounts, late closed accounts, charge-offs, public records, and accounts included in bankruptcy, in accordance with the FCRA guidelines XXXX 

Provide a detailed response outlining the results of your investigation, including the actions taken to correct the inaccuracies and the expected timeline for resolution. 

Promptly remove the inaccurately reported entries from my credit report, as required by law, if they are found to be inaccurately reported or unverifiable. 

Furnish me with a written report of the results of your investigation, a copy of my updated credit report reflecting the removal of these entries, and a written explanation for any entries that were not corrected or removed. 

I understand the critical role that accurate credit reporting plays in financial stability and access to essential services. I trust that you will treat this matter with the urgency and seriousness it deserves to ensure fair and accurate reporting of my credit information. 

Please acknowledge receipt of this complaint within 30 days of your receipt of this letter. I am asking for your assistance to correct these late open accounts and remove the Late Closed, Charge Off, Accounts Included in Bankruptcy and Public Record : XXXX XXXX Balance : {$100.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
2. XXXX XXXX Balance Owed : {$100.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 
3. XXXX XXXX Balance : {$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. 
4. XXXX XXXX Balance Owed : {$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. 
5. XXXX XXXX Balance : {$700.00} - 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. 
6. XXXX XXXX XXXX Balance Owed : {$0.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 
7. XXXX XXXX XXXX Balance {$560.00} - 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. 
8. XXXX  XXXX Bankruptcy Discharged XXXX XX/XX/2018 - I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly.