Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

Hello, On XX/XX/year> I obtained my freeannualcreditperorts and I have had several complaints with you guys in attempt for creditors to fix the reporting to the credit bureaus. Unfortunately this had NOT been the case and is causing me undue harm, and undue expense due to inaccuracies show on my credit reports, thus creditors are charging me a higher interest rate. 

I would like to have this resolved by either fixing the items to report correctly with account status and balance under my rights as a consumer. 

In the meanwhile if someone could please help add a STATEMENT OF DISPUTE in my file for the following creditors until the CFPB and credit bureaus can get this straightened out. 

1st off, EXPERIAN has a wrong last 4 of SS # ( I do not want to provide them with my correct one, in fear that my identity has been comprimised ) 1 ) Please reference CFPB Complaint # XXXX ( I am NOT disputing I owe XXXX for the box, as I probably did not ship it back, although I thought I did but can not find my receipt, during my move, so therefore I have no problem paying for the internet modem ) I do OBJECT to {$410.00} for one modem. Furthermore I paid my last bill after moving and they have since charged me for services I have NEVER received or used ... ( Racketeering ) I believe its called? I offered them {$100.00} and {$150.00} respectively which is ALOT for one {$50.00} modem. They rejected. Out of principal I will NEVER pay {$410.00} for a {$50.00} box. ( I hope you would not as well, or can appreciate that ) 2 ) Please reference CFPB Complaint # XXXX Hello, I am on XXXX prepaid XXXX and tried the post-pay account and was not satisfiedwith XXXX service and canceled within 3 weeks. I have been back on prepaid for severalmonths now. I reached out to XXXX on XX/XX/year> and confirmed that I do NOT oweVerizon anything on pre-paid OR post-paid account. I have this in an email fromVerizon themselves not the debt collect, however the debt collector still sends meemails stating I owe them XXXX Please help and advise, Sincerely, XXXX XXXX XXXX ) Please reference CFPB Complaint # XXXX I dispute this due to inaccuracies in reporting to credit bureaus. Please seeattachment where according to my EQUIFAX credit report it states this account wasCLOSED. Whereas, it is still showing up on my XXXX on both Equifax andXXXX, causing Damages to my score negatively impacting it by false-inaccuratecredit reporting. Please advise, Sincerely, XXXX XXXX 4 ) Please reference CFPB Complaint # XXXX Hello, I appreciate the information, however this has NOT addressed my concerns or issues of false/incorrect information. I got my Credit information directly from Equifax and XXXX NOT a 3rd party like XXXX XXXX, however since there is a differing information on all 3 of my credit reports I am demanding that this item be removed from all XXXX as this could be another issue including the FCRA and XXXX for incorrect and wrongful information causing undue damage to my credit. I am stating that because of Wrong and Inaccurate information that this should be 5 ) ALL DISCOVER>>> I paid them and they offered deletion!! They NEVER deleted the item. I would NEVER settle and not get a deletion.. At that point they could have kept it on my credit.