Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XX/XX/year> Dear XXXX, I am writing to formally dispute and request the deletion of inaccurate information on my XXXX credit report regarding my XXXX XXXX XXXX account. After reviewing my credit report and comparing it with information from other credit reporting agencies, I have identified several discrepancies that do not comply with the Fair Credit Reporting Act ( FCRA ). These discrepancies must be deleted as required by law, as XXXX is unable to verify the accuracy of the disputed items. 

**Account Information : ** - Creditor : XXXX XXXX XXXX  XXXX Account Number : - Reported Balance : {$480.00} ( as of XX/XX/year> ) - Reported Credit Limit : {$300.00} - Account Status : Closed **Disputed Items and Factual Errors : ** 1. **Balance Information : ** - XXXX  Report** : Lists the balance as {$480.00} as of XX/XX/year>. 
- **Equifax Report** : Lists the balance as {$530.00} as of XX/XX/year>. 
- **Discrepancy** : These balances are inconsistent with each other and with my records. Please delete this account entirely from my credit report as XXXX can not verify the accuracy of the disputed items, in accordance with FCRA 611 ( a ) ( 5 ) ( A ) ( i ).

2. **Credit Usage Percentage : ** - *XXXX Report** : Indicates credit usage as 162 %. 
- **Equifax Report** : Indicates credit usage as 178 %. 
- **Discrepancy** : These percentages are inconsistent. Please delete this account entirely from my credit report as XXXX can not verify the accuracy of the disputed items, in accordance with FCRA 611 ( a ) ( 5 ) ( A ) ( i ).

3. **Payment History : ** - XXXX Report** : States that 60 % of payments for this account were made on time. 
- **Equifax Report** : States that 50 % of payments for this account were made on time. 
- **Discrepancy** : The payment history percentages are inconsistent with each other and with my records. Please delete this account entirely from my credit report as XXXX can not verify the accuracy of the disputed items, in accordance with FCRA XXXX ( a ) ( XXXX ) ( A ) ( i ). 

4. **Current Payment Status and Amount Past Due : ** - XXXX Report** : Indicates the last payment date as XX/XX/year>, and the account status as 90-119 days late with an amount past due of {$96.00}.

- **Equifax Report** : Indicates the last payment date as XX/XX/year>, and the account status as XXXX days late with an amount past due of {$120.00}. 
- **Discrepancy** : The last payment date, payment status, and amount past due are inconsistent with each other and with my records. Please delete this account entirely from my credit report as XXXX can not verify the accuracy of the disputed items, in accordance with FCRA 611 ( a ) ( 5 ) ( A ) ( i ).

Enclosed with this letter are copies of other credit reports with the disputed items highlighted to support my claims.

According to FCRA 611 ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation of disputed information. Therefore, I request that you promptly delete the inaccurate information from my XXXX credit report, as XXXX can not verify the accuracy of the disputed items. Additionally, I request an updated copy of my credit report reflecting these deletions as required by FCRA 611 ( a ) ( 8 ). 

Thank you for your immediate attention to this matter. Please contact me at XXXX or via email at XXXX to inform me of the results of your investigation. 

Sincerely, XXXX XXXX XXXX XXXX : - Copies of other credit reports with disputed items highlighted