Consumer complaint received 2024-03-14
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. (MO)

I am writing to file a formal complaint regarding the repeated unsuccessful attempts to remove late closed and charge-off accounts from my credit report. Despite my persistent efforts to rectify these inaccuracies, they persist, unjustly impacting my creditworthiness and financial standing. 

I have made multiple attempts to dispute and remove the late closed and charge-off accounts from my credit report. Each time, I have provided extensive documentation and evidence to support my claims, including payment records, correspondence with creditors, and any other relevant information. However, despite my persistent efforts, the late closed and charge-off accounts remain, causing undue hardship and frustration. 

The presence of these inaccurate accounts has had severe repercussions on my financial well-being. They inaccurately represent my credit history, making it challenging to obtain credit, secure loans, and access financial services. Furthermore, they have caused considerable stress and anxiety as I continue to navigate through the dispute process without resolution. 

I urge your agency to prioritize the swift removal of these inaccuracies from my credit report. Specifically, I request that : The late closed and charge-off accounts be thoroughly reviewed and promptly removed from my credit report without further delay. 
A comprehensive investigation be conducted into the handling of my disputes, including an examination of why the evidence provided was not considered in previous reviews. 
Clear and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar inaccuracies from occurring in the future. With this, I am asking for your assistance to remove or correct these accounts in my credit file : 1. XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

2. XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

3. XXXX  XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

4. XXXXXXXX XXXX XXXXXXXX Balance Owed : {$750.00} - The payment history and status is inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

5. XXXX XXXX Balance Owed : {$140.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

6. XXXX XXXX XXXX Balance Owed : {$400.00} - 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. 

7. XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} - 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 XXXX Balance Owed : {$470.00} - I 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. 

9. XXXX XXXX Balance Owed : {$0.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a zero balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file.