Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

tired of these credit bureaus abusing my rights. I sent them letters regarding all the inaccurate information i still find my on my credit report. They cant even get an open date right or my payment history correct. Down below i have listed what rights they violated in correspondence with the FAIR CREDIT REPORTING ACT ( FCRA ), tracking numbers of the letters i sent the bureaus, and all the incomplete and inaccurate information found in my credit report. also found out that they were sending 3rd party companies my personal information by receiving random letters from these companies. Hopefully all this mess can be finally be solved or ill have to take further actions.

15 USC 1681e ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ), 15 USC 1681i ( 5 ) ( A ) ( ii ), 15 USC 1681i ( 7 ), 15 USC 1681b Tracking numbers for letters to creditors, credit bureaus XXXX XXXX XXXX XXXX Inaccurate information on credit report XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Account # XXXX High Balance : {$330.00} {$0.00} Last Verified : XX/XX/XXXX n/a Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} Closed Date : XX/XX/XXXX n/a Account Rating : paid paid Account Description : individual individual Dispute Status : account not disputed account not disputed Creditor Type : bank credit cards bank credit cards Account Status : closed closed Payment Status : collection/charge off collection/charge off Creditor Remarks : dispute resolved account was in dispute- now resolved ( reported by subscriber ) Payment Amount : {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX Term Length : n/a n/a Past Due Amount : {$0.00} {$0.00} Account Type : credit card credit card Payment Frequency : n/a n/a Credit Limit : {$200.00} {$200.00} Snap on credit XXXX XXXX Account # XXXX High Balance : {$5300.00} {$5300.00} Last Verified : XX/XX/XXXX n/a Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance Owed : {$5100.00} {$5100.00} Closed Date : n/a n/a Account Rating : open open Account Description : individual individual Dispute Status : account not disputed account not disputed Creditor Type : miscellaneous finance sales financing Account Status : open open Payment Status : current current Creditor Remarks : n/a n/a Payment Amount : {$170.00} {$170.00} Last Payment : XX/XX/XXXX XX/XX/XXXX Term Length : 54 months 54 months Past Due Amount {$0.00} {$0.00} Account Type : secured loan secured loan Payment Frequency : monthly n/a Credit Limit : {$0.00} {$0.00} Payment history XXXX XXXX XXXX, and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX High Balance : {$31000.00} {$31000.00} Last Verified : XX/XX/XXXX n/a Date of Last XXXX : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$26000.00} {$26000.00} Closed Date : n/a n/a Account Rating : open open Account Description : individual individual Dispute Status : account not disputed account not disputed Creditor Type : miscellaneous banks all banks Account Status : open open Payment Status : current current Creditor Remarks : n/a n/a Payment Amount : {$610.00} {$610.00} Last Payment : XX/XX/XXXX XX/XX/XXXX Term Length : 72 months 72 months Past Due Amount : {$0.00} {$0.00} Account Type : auto loan auto loan Payment Frequency : monthly ( every month ) n/a Credit Limit : {$0.00} {$0.00} Payment history XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX okay XXXX, XXXX XXXX XXXX, XXXX okay XXXX, XXXX XXXX late XXXX, XXXX XXXX late