Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Equifax XXXXXXXX XXXX XXXXXXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification - Loan Type SECURED Original Creditor Name - Months Reviewed 22 Activity Designator - Terms Frequency MONTHLY Term Duration 24 MONTHS Purchased From - Sold To - Balance and Amounts Balance {$2800.00} Credit Limit - High Credit {$15000.00} Available Credit - Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity - Date of First Delinquency XXXX XXXX, XXXX *Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification - Loan Type SECURED Original Creditor Name - Months Reviewed 12 Activity Designator PAID_AND_CLOSED Terms Frequency MONTHLY Term Duration 12 MONTHS Purchased From - Sold To - Balance and Amounts Balance {$0.00} Credit Limit - High Credit {$120.00} Available Credit - Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency *Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification - Loan Type SECURED Original Creditor Name - Months Reviewed 1 Activity Designator PAID_AND_CLOSED Terms Frequency MONTHLY Term Duration 24 MONTHS Purchased From - Sold To - Balance and Amounts Balance {$0.00} Credit Limit - High Credit {$510.00} Available Credit - Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency *Account Number XXXX XXXX  Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification - Loan Type SECURED Original Creditor Name - Months Reviewed 13 Activity Designator PAID_AND_CLOSED Terms Frequency MONTHLY Term Duration 12 MONTHS Purchased From - Sold To - Balance and Amounts Balance {$0.00} Credit Limit - High Credit {$120.00} Available Credit - Account Dates Date Opened XXXX XXXX, XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency *Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification - Loan Type SECURED Original Creditor Name - Months Reviewed 8 Activity Designator PAID_AND_CLOSED Terms Frequency MONTHLY Term Duration 24 MONTHS Purchased From - Sold To - Balance and Amounts Balance {$0.00} Credit Limit - High Credit {$720.00} Available Credit - Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency *Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification - Loan Type - Original Creditor Name - Months Reviewed 18 Activity Designator - Terms Frequency MONTHLY Term Duration 48 MONTHS Purchased From - Sold To - Balance and Amounts Balance {$310000.00} Credit Limit - High Credit - Available Credit - Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity - Date of First Delinquency XX/XX/XXXX XXXXAccount Number XXXX XXXXXXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification - Loan Type SECURED Original Creditor Name - Months Reviewed 11 Activity Designator PAID_AND_CLOSED Terms Frequency MONTHLY Term Duration 12 MONTHS Purchased From - Sold To - Balance and Amounts Balance {$0.00} Credit Limit - High Credit {$530.00} Available Credit - Account Dates Date Opened XX/XX/XXXX Date Reported XXXX XXXX, XXXX Date of Last Activity XXXX XXXX Date of First Delinquency *Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification - Loan Type SECURED Original Creditor Name - Months Reviewed 14 Activity Designator PAID_AND_CLOSED Terms Frequency MONTHLY Term Duration - Purchased From - Sold To - Balance and Amounts Balance {$0.00} Credit Limit - High Credit {$49000.00} Available Credit XXXX Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency *Account Number XXXX XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification - Loan Type NOTE_LOAN Original Creditor Name - Months Reviewed 13 Activity Designator PAID_AND_CLOSED Terms Frequency MONTHLY Term Duration 4 MONTHS Purchased From - Sold To - Balance and Amounts Balance {$0.00} Credit Limit - High Credit {$1200.00} Available Credit XXXX Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency *Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXXXXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$9100.00} Amount {$9100.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XXXX XXXX, XXXX Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Contact XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief