Consumer complaint received 2024-03-22
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 file a formal complaint regarding the persistent inaccuracies on my credit report despite many attempts to correct them. Specifically, I have encountered difficulties in rectifying a late open account and removing several late closed accounts, which have adversely impacted my creditworthiness and financial well-being. 

These inaccuracies not only misrepresent my credit history but also hinder my ability to access favorable financial opportunities and services. I have suffered undue hardship and frustration as a result of these persistent errors, and I am deeply concerned about the impact they may have on my financial future. 

I hereby request a thorough investigation into the discrepancies outlined above and prompt corrective action to rectify the inaccuracies on my credit report. Additionally, I urge your team to implement measures to prevent similar errors from occurring in the future and to provide transparent communication throughout the resolution process. 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. 

DP OF EDUC 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. 

US DEPT ED XXXX Balance : {$4100.00} - Never Paid Late. The records reflect a 120 without preceding 30, 60 or 90 days. This is a massive error. Investigate all records closely. Ensure all info is truly accurate including address, all spelling, DOB, SSN, etc. 

US DEPT ED 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.

US DEPT ED 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. 

US DEPT ED XXXX Balance : {$6900.00} - XXXX am not late on this account. My record shows that this account was Paid as Agreed and Past Due is XXXX. Please adjust immediately. 

US DEPT ED XXXX Balance : XXXX - Please check the Payment History and Status information on this account and adjust accordingly. 

US DEPT ED XXXX Balance : {$8300.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

US DEPT ED XXXXBalance : {$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. 

US DEPT ED XXXX Balance : {$9700.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

US DEPT ED 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. 

US DEPT ED XXXX Balance : {$3300.00} - Please take off the late things from this account because I think I made my payment on time.

US DEPT ED 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.

DP OF EDUC XXXX Balance : {$3100.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

US DEPT ED XXXXBalance : {$7000.00} - The payment history of this account is incorrect. This was on forbearance under CARES Act. Please investigate and update with lawful accuracy. 

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. 

XXXX XXXX Balance : {$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.