Consumer complaint received 2024-02-14
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 express my frustration and disappointment regarding the multiple unsuccessful attempts to remove inaccurate information from my credit report. Despite repeated disputes and requests, certain derogatory items, including late closed and charged off accounts, persist on my report. 

I have enclosed a copy of my credit report highlighting the inaccuracies for your reference. 

I have made multiple attempts to have the following inaccuracies removed from my credit report : Late Closed Accounts : Several accounts on my credit report are listed as late closed, which inaccurately reflects my credit history. These entries are outdated and should be removed promptly.

Charged Off Accounts : Additionally, there are accounts on my credit report that have been charged off. These entries negatively impact my creditworthiness and financial standing. Despite my efforts, they continue to appear on my report.

I understand the importance of accurate reporting and the impact it has on individuals ' financial lives. Therefore, I urge you to investigate these discrepancies promptly and make the necessary corrections to ensure the accuracy and integrity of my credit report.

I request the following actions be taken : Immediate Removal of Late Closed and Charged Off Accounts : Conduct a thorough investigation into the late closed and charged off accounts listed on my credit report and remove them promptly if they are found to be inaccurate or outdated.

Enhanced Communication Channels : Improve communication channels to keep me informed about the progress of the investigation and the steps being taken to address the inaccuracies. 

Please acknowledge receipt of this letter and inform me of the steps being taken to address these inaccuracies. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX. XXXX XXXX Balance Owed : {$0.00} - 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 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. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information XXXX be wrong. I need this removed immediately. 

XXXX. 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. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$750.00} - 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 XXXX Balance Owed : {$140.00} 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. 

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

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} - XXXX 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. 

XXXX. XXXX XXXX XXXX Balance Owed : {$470.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - This kind of account is in fact posted as a charged-off account, be sure you let me know precisely why there is a balance showing on the document if it is a charge off? The account balance is actually wrong, make sure you turn it to zero or get rid of the item fully.