Consumer complaint received 2024-05-06 00:00:00
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.
State: GA

Complaint narrative:
Despite our numerous previous attempts, I regret to inform you that these issues continue to persist on my record. 

I kindly request that you prioritize the investigation and resolution of these issues with the utmost urgency. It is essential to take all necessary steps to correct these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

I understand that addressing such issues may require considerable time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. With this, I am asking for your assistance to remove the late closed and correct these late open accounts in my credit file : 1. XXXX XXXX XXXX Balance Owed : {$370.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

2. 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. 

3. DP OF EDUC XXXX Balance : {$6800.00} - 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. 

4. US DEPT ED XXXX Balance : {$4100.00} - Never Paid Late. The records reflect a 120 without preceding 30, 60 or 90 days. This is a massive error. Investigate all records closely. Ensure all info is truly accurate including address, all spelling, DOB, SSN, etc. 

5. US DEPT ED XXXX Balance : {$10000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

6. US DEPT ED XXXX Balance : {$1500.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

7. US DEPT ED XXXX Balance : {$6900.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

8. US DEPT ED XXXX Balance : XXXX - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

9. US DEPT ED XXXX Balance : {$8300.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. Please correct it immediately. 

10. US DEPT ED XXXXBalance : {$1600.00} - I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 

11. US DEPT ED XXXX Balance : {$9700.00} - Please take off the late things from this account because I think I made my payment on time. 

12. US DEPT ED XXXX Balance : {$5700.00} - 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. 


13. US DEPT ED XXXX Balance : {$3300.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

14. US DEPT ED XXXX Balance : {$7300.00} - The payment history of this account is incorrect. This was on forbearance under CARES Act. Please investigate and update with lawful accuracy. 

15. DP OF EDUC XXXX Balance : {$3100.00} - The payment history and the status of this account is inaccurate. This account should not be late pursuant to CARES Act. Thoroughly investigate and update with lawful accuracy. 

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

17. US DEPT ED XXXX Balance : {$7000.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be corrected. 

18. US DEPT ED XXXX Balance : {$6900.00} - I believe this information may be inaccurate. Immediate removal of this item is necessary. 

19. 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. 

20. XXXX XXXX Balance : {$0.00} - 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. 

21. XXXX XXXX Balance : {$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.

Company response to consumer: Closed with explanation