Consumer complaint received 2025-01-11 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: TX

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 Account number XXXX XXXX Account status Collection Creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number XXXX Account type Other Loan type Collection attorney Creditor classification Unknown Activity designator Open Date closed Date reported XX/XX/XXXX Date of last activity XX/XX/XXXX Date of first delinquency Deferred payment start date Balloon payment date Term duration 0 Term frequency Months reviewed 0 Credit limit {$0.00} High credit {$2700.00} Monthly payment amount {$0.00} Actual payment Amount - Amount past due {$0.00} Balloon payment amount - Charge off amount {$2800.00} Comments OUTSTANDING BALANCE CONSUMER DISPUTES THIS ACCOUNT INFORMATION XXXXXXXX XXXX Account number XXXX XXXX Account status Collection Creditor name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone number XXXX Account type Other Loan type Collection attorney Creditor classification Unknown Activity designator Open Date closed Date reported XX/XX/XXXX Date of last activity XX/XX/XXXX Date of first delinquency Deferred payment start date Balloon payment date Term duration 0 Term frequency Months reviewed 0 Credit limit {$0.00} High credit {$2700.00} Monthly payment amount {$0.00} Actual payment Amount - Amount past due {$0.00} Balloon payment amount - Charge off amount {$2800.00} Comments OUTSTANDING BALANCE CONSUMER DISPUTES THIS ACCOUNT INFORMATION XXXX XXXXXXXX Account number XXXX XXXX Account status Collection Creditor name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone number XXXX Account type Other Loan type Unknown loan type Creditor classification Unknown Activity designator Open Date closed Date reported XX/XX/XXXX Date of last activity Date of first delinquency Deferred payment start date Balloon payment date Term duration 0 Term frequency Months reviewed 0 Credit limit {$0.00} High credit {$2700.00} Monthly payment amount {$0.00} Actual payment Amount - Amount past due {$0.00} Balloon payment amount - Charge off amount {$2800.00} Comments COLLECTION ACCOUNT ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ACCOUNT INFORMATION DISPUTED BY CONSUMER XXXXXXXX Account number XXXX XXXX  Account type : XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone number XXXX Revolving Loan type Check credit or line-of-credit Creditor classification Unknown Activity designator Open Date closed Date reported XX/XX/XXXX Date of last activity Date of first delinquency Deferred payment start date Balloon payment date Term duration 0 Term frequency XXXX  Months reviewed XXXX Credit limit {$4000.00} High credit {$4000.00} Monthly payment amount {$180.00} Actual payment Amount - Amount past due {$0.00} Balloon payment amount - Charge off amount - Comments OPEN ACCOUNT CURRENT ACCOUNT/WAS 30 DAYS PAST DUE DATE LAST REPORTED DELINQUENCIES : XXXX LAST PAID : XX/XX/XXXX Equifax Account number XXXX XXXX  Account type : XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number XXXX Revolving Loan type Check credit or line-of-credit Creditor classification Unknown Activity designator Open Date closed Date reported XX/XX/XXXX Date of last activity XX/XX/XXXX Date of first delinquency Deferred payment start date Balloon payment date Term duration 0 Term frequency Months reviewed XXXX Credit limit {$4000.00} High credit $ 0 Monthly payment amount {$180.00} Actual payment Amount - Amount past due {$0.00} Balloon payment amount - Charge off amount - Comments LAST REPORTED DELINQUENCIES : XXXX LINE OF CREDIT AMT IN HIGH CREDIT IS CREDIT LIMIT Equifax Account type : XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone number XXXXXXXX Revolving Loan type Credit card Creditor classification Unknown Activity designator Open Date closed Date reported XX/XX/XXXX Date of last activity XX/XX/XXXX Date of first delinquency Deferred payment start date Balloon payment date Term duration 0 Term frequency Months reviewed XXXX Credit limit {$2000.00} High credit XXXX XXXX  Monthly payment amount {$0.00} Actual payment Amount - Amount past due {$0.00} Balloon payment amount - Charge off amount - Comments LAST REPORTED DELINQUENCIES : XXXX FLEXIBLE SPENDING CREDIT CARD AMT IN HIGH CREDIT IS CREDIT LIMIT Experian Account type : XXXX XXXX XXXX XXXX  Account number XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone number XXXX Revolving Loan type Credit card Creditor classification Unknown Activity designator Open Date closed Date reported XX/XX/XXXX Date of last activity Date of first delinquency Deferred payment start date Balloon payment date Term duration 0 Term frequency XXXX  Months reviewed XXXX  Credit limit {$2000.00} High credit {$1400.00} Monthly payment amount {$190.00} Actual payment Amount - Amount past due {$0.00} Balloon payment amount - Charge off amount - Comments OPEN ACCOUNT CURRENT ACCOUNT/WAS DELINQUENT 60 DAYS PAST DUE DATE LAST REPORTED DELINQUENCIES : XXXX LAST PAID : XX/XX/XXXX XXXX Account type : XXXX XXXX XXXX XXXX  Account number XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number XXXX Revolving Loan type Credit card Creditor classification Unknown Activity designator Open Date closed Date reported XX/XX/XXXX Date of last activity XX/XX/XXXX Date of first delinquency Deferred payment start date Balloon payment date Term duration 0 Term frequency MIN Months reviewed XXXX Credit limit {$2000.00} High credit {$1400.00} Monthly payment amount {$190.00} Actual payment Amount - Amount past due {$0.00} Balloon payment amount - Charge off amount - Comments LAST REPORTED DELINQUENCIES : XXXX Equifax Account number XXXX XXXX Account type : CREDIT Creditor name XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number XXXX Account type Other Loan type Credit card Creditor classification Unknown Activity designator Open Date closed Date reported XX/XX/XXXX Date of last activity XX/XX/XXXX Date of first delinquency Deferred payment start date Balloon payment date Term duration 0 Term frequency Months reviewed XXXX Credit limit {$0.00} High credit {$5300.00} Monthly payment amount {$0.00} Actual payment Amount - Amount past due {$0.00} Balloon payment amount - Charge off amount - Comments XXXX XXXX XXXX  Account number XXXX XXXX Account type Other Creditor name XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Phone number XXXX Account type Other Loan type Credit card Creditor classification Unknown Activity designator Open Date closed Date reported XX/XX/XXXX Date of last activity Date of first delinquency Deferred payment start date Balloon payment date Term duration 1 Term frequency Months reviewed XXXX Credit limit {$0.00} High credit {$5300.00} Monthly payment amount {$0.00} Actual payment Amount - Amount past due {$0.00} Balloon payment amount - Charge off amount - Comments OPEN ACCOUNT XXXX Account number XXXX XXXX Account type Other Creditor name XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number XXXX Other Loan type Credit card Creditor classification Unknown Activity designator Open Date closed Date reported XX/XX/XXXX Date of last activity Date of first delinquency Deferred payment start date Balloon payment date Term duration 0 Term frequency Months reviewed XXXX Credit limit {$0.00} High credit {$5300.00} Monthly payment amount {$0.00} Actual payment Amount - Amount past due {$0.00} Balloon payment amount - Charge off amount - Equifax Account number XXXX XXXX Account type Other Creditor name XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number XXXX Account type Other Loan type Credit card Creditor classification Unknown Activity designator Open Date closed Date reported XX/XX/XXXX Date of last activity XX/XX/XXXX Date of first delinquency Deferred payment start date Balloon payment date Term duration 0 Term frequency Months reviewed XXXX Credit limit {$0.00} High credit {$4300.00} Monthly payment amount {$0.00} Actual payment Amount - Amount past due {$0.00} Balloon payment amount - Charge off amount - Comments CREDIT CARD XXXX Account number XXXX XXXX Account type Other Creditor name XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number XXXX Loan type Credit card Creditor classification Unknown Activity designator Open Date closed Date reported XX/XX/XXXX Date of last activity Date of first delinquency Deferred payment start date Balloon payment date Term duration 0 Term frequency Months reviewed XXXX Credit limit {$0.00} High credit {$4300.00} Monthly payment amount {$0.00} Actual payment Amount - Amount past due {$0.00} Balloon payment amount - Charge off amount - Comments OPEN ACCOUNT XXXX Account number XXXX XXXX Account type Other Creditor name XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone number XXXX Account type Other Loan type Credit card Creditor classification Unknown Activity designator Open Date closed Date reported XX/XX/XXXX Date of last activity XX/XX/XXXX Date of first delinquency Deferred payment start date Balloon payment date Term duration 0 Term frequency Months reviewed XXXX Credit limit {$0.00} High credit {$4300.00} Monthly payment amount {$0.00} Actual payment Amount - Amount past due {$0.00} Balloon payment amount - Charge off amount - Comments CREDIT CARD FOLLOWING INQUIRIES SHOULD BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief