Consumer complaint received 2024-10-08 00:00:00
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.
State: AR

Complaint narrative:
I looked at my report back on XX/XX/year>, and I noticed multiple discrepancies therefore I sent them a letter asking them to reinvestigate these accounts listed below : Personal Information : The reporting of my Name is incomplete. Correct the inaccurate item. I challenge this inaccurate Date of Birth. Correct the inaccurate item. This Current address is reporting in error. Please be aware, that I need the data investigated and resolved quickly. I don't recall this Employee being correct. The data should be XXXX  % correct and complete. 

Accounts : XXXX XXXX : XXXX : Date of Last Activity : My credit report contains inaccurate data as not all fields are reported correctly. I am submitting a request that the information in question be resolved as soon as possible. Date Reported : It is necessary to correct the inaccurate information in the credit report for the field I am highlighting because it differs from the information on the other reports. Follow the law and make sure the incorrect information is amended. Dispute Status : The FTC mandates that all field information must be XXXX  % accurate, but this particular field does not meet that requirement. The following fields need to be fixed without delay. Comments : There might be a mistake in this section of my credit report because it differs from the other reports. Please check, and if not, remedy it. Date of Last Payment : Due to the inaccuracies, further investigation into the details is required. Will wait for your resolution. Credit Limit : There are errors in this section of the field. Please take necessary actions to solve the reported issue. Payment History : I have identified an inaccurate field on my credit report. The data in this field deviates significantly from the requirement of being XXXX  % accurate. I request that you provide verifiable proof of the accuracy of the record. If such proof can not be provided, please proceed to fix the record immediately. 

XXXX XXXX  XXXX : XXXX : Account : The field data is confusing because it is inconsistent with the data from the other bureaus. It is essential that this issue be promptly resolved. High Balance : The field in question is incorrect. Please resolve this issue and send me an updated version. Date of Last Activity : There could be an error in the field as it doesn't match with the others. Please examine this and ensure it is accurate. Date Reported : I discovered this item on the report ; to be more precise, I'm referring to the erroneous information in this field. The time it takes to update this information shouldn't exceed XXXX  days. Balance Owed : My credit report contains a field with incorrect data, which is a result of erroneous reporting. If the item can not be verified, please promptly modify the data from the field. Dispute Status : I found this inaccurate field on my credit report, and the law allows me to dispute it. am asking for an immediate investigation and correction of the field listed below. Comments : Due to the way it is being reported, this field 's information is referred to as being incorrect. Send me an update after making the necessary adjustments. Date of Last Payment : When compared to other bureaus, you are incorrectly reporting this field. The following field needs to be properly addressed immediately. Past Due Amount : The Fair Credit Reporting Act requires you to investigate, and this field is inaccurate. Please promptly fix the error on my report. Payment History : I have noticed this misleading field on my credit report as it fails to report information that is XXXX  % accurate. The corrections for this information from my credit report should be prioritized. 

XXXX XXXX : XXXX : Date of Last Activity : The way the date is reported suggests that it may contain an error. Conduct an investigation and ensure the information is resolved. Date Reported : I found that my credit report has erroneous information in this field because it differs from the other reports. A close friend informed me that I will receive my results in XXXX  days. Please get the investigation going and mend this inaccurate data. Dispute Status : I discovered inaccurate information on my credit report due to the way it has been listed. Make sure that you correct the field as evidence that this has been investigated and fixed. Creditor Type : An inaccurate field was displayed on the credit report. Provide evidence that the incorrect field has been corrected. Comments : On the credit report, there is a field that clearly contains incorrect information. This information needs to be updated. Date of Last Payment : Due to its incorrect presentation, the field data is incorrect. Investigate the matter with the creditor and find if there is an error and then resolve the item. Credit Limit : In this field of the credit report, which was different from the reports from the other bureaus, inaccurate information was revealed. There should only be XXXX source for this. Inspect, correct, and update the field in question. Payment History : While it is expected that everything on the credit report should be XXXX  % accurate, unfortunately, this specific field does not meet that standard. I request an immediate investigation into this dispute and the prompt correction of the item to fix the credit report. 

I am aware that accurate credit reporting is crucial for navigating the credit landscape. Although laws are put in place to guarantee equity, credit bureau data accuracy is crucial. Not only are the inconsistencies in my report bothersome, but they could potentially lower my credit score. 

Furthermore, I have asked this credit bureau for their method of verification, and they did not provide it for me. Therefore, I believe theyre reporting inaccurate information because they failed to provide with the furnisher who reported it. 

SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXX

Company response to consumer: Closed with non-monetary relief