Consumer complaint received 2024-01-24
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 bring to your attention the ongoing issue I have been experiencing with attempts to correct late open accounts and remove the associated losses from my records. I have made several attempts to rectify this matter, but unfortunately, the resolution process has been ineffective. 

The accounts in question were opened and despite my best efforts to address the lateness and associated losses promptly, I have encountered multiple obstacles in achieving a satisfactory resolution. This situation has not only caused inconvenience but has also adversely impacted my financial standing. 

I would like to outline the chronology of my attempts to rectify the situation : Initial contact was made with your customer service department to report the late open accounts and request corrections. 

Follow-up communication was initiated to inquire about the status of the correction process. 
Despite previous assurances, no significant progress had been made, prompting further communication and a detailed explanation of the losses incurred due to the delays. 

Additional attempts were made to escalate the matter within your organization, seeking a more expedited resolution. 

Despite these efforts, the issue remains unresolved, and the associated losses continue to impact my financial stability. I believe in fair and transparent business practices, and I am hopeful that your company shares this commitment. 

I kindly request your immediate attention to this matter and a comprehensive review of the circumstances surrounding the late open accounts and associated losses. I expect a timely and satisfactory resolution to be implemented to rectify the inaccuracies in my records. 

If this matter is not addressed promptly, I may have no choice but to escalate the complaint to relevant regulatory bodies and seek legal advice to protect my rights as a consumer. I am asking for your assistance to correct these late open accounts and remove the late closed in my credit file : 1. XXXX XXXX Balance : {$0.00} - 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 : {$0.00} - I am not late on this account. My record shows that this account was Paid as Agreed and Past Due is 0. Please adjust immediately. 

XXXX. XXXX XXXX XXXX Balance Owed : {$270.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

4. DP OF EDUC XXXX Balance : {$6800.00} - Immediate correction of this account is necessary. I need this correct now. 

5. DP OF EDUC XXXX Balance : {$4000.00} - Please adjust immediately. You are reporting different information from other bureaus. 

6. US DEPT ED XXXX Balance : {$3300.00} - Get it right immediately ; otherwise, update the account from my report.

7. US DEPT ED XXXX Balance : {$1500.00} - Please verify all info is true, accurate, and correct. Never Paid Late.

8. US DEPT ED XXXX  Balance : {$6800.00} - Never late on this account. I never missed a payment.

9. US DEPT ED XXXX  Balance : {$6900.00} - Never late on this account. My record shows that this account was paid. Please correct immediately.

10. US DEPT ED XXXX Balance : {$8400.00} - This is a massive error. Investigate all records closely and correct this account.

11. US DEPT ED XXXX  Balance : {$8200.00} - 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.

12. US DEPT ED XXXX  Balance : {$1600.00} - Please check the status of this account. Please correct it immediately.

13. US DEPT ED XXXX Balance : {$9500.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately.

14. US DEPT ED XXXX Balance : {$5600.00} - Please take off the late things from this account because I think I made my payment on time.

15. US DEPT ED XXXX  Balance : {$10000.00} - 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.

16. US DEPT ED XXXX Balance : {$7200.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file.

17. DP OF EDUC XXXXXXXX Balance : {$7300.00} - The payment history and the status of this account is inaccurate. This account should not be late pursuant to CARES Act. Thoroughly investigate and correct with lawful accuracy. 

18. 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. 

XXXX. XXXX XXXX XXXX Balance : {$410.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.