Consumer complaint received 2024-10-28 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: TX

Complaint narrative:
Your Name : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX TX XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Equifax Dispute Department Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Formal Dispute of Inaccuracies on Credit Report XXXX XXXX XXXX Account Dear Equifax Dispute Team, I am formally disputing the information regarding my XXXX XXXX XXXX account on my Equifax credit report. The account details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Current Balance Reported : {$8000.00} Date Last Reported : XX/XX/year> I believe that this account contains several inaccuracies. I request the following corrections in accordance with my rights under federal law : Balance Information and Status : The report lists that I have 0 % left to pay on this loan yet shows a balance of {$8000.00}. I request that this balance be adjusted to {$0.00} if the account is paid off. 
Payment History : The payment history inaccurately reflects that only 42 % of payments were made on time and incorrectly lists continuous Charge-off ( CC ) entries. Additionally, it reflects multiple instances of 30, 60, 90, and 120 days late payments that are inaccurate based on my records.

Account Status and Remarks : This account is currently listed as Charge-off with remarks indicating repossession, foreclosure ( RF ), and voluntary surrender ( VS ). I request that these remarks be removed if they do not apply to my account. 
Monthly Payment and Term Information : The report inaccurately shows a Monthly Payment Amount of {$0.00}. Please update this field to reflect accurate monthly payment information and terms. 

15 U.S. Code 1681c-2 : Under this law, a consumer reporting agency is required to block any information in a consumers file that is identified as a result of alleged identity theft within 4 business days of receiving notice. Please block this reporting while investigating.

15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) : This account is in violation by not being reported with 100 % accuracy, which is required under the Fair Credit Reporting Act.

15 U.S. Code 1681 ( Section 602 A ) : I have a right to privacy, and this account violates my federally protected rights to privacy and confidentiality. Additionally, 15 U.S. Code 1681 Section 604 ( A ) ( 2 ) states that a consumer reporting agency can not furnish accounts without my written consent. This has also been violated. 
I am requesting an original copy of the agreement and terms and conditions for this account. Failure to provide these documents within the legally required time frame will require that you delete the items mentioned above from my credit report. 
Please delete this account from my credit report unless the inaccuracies can be corrected and documented with 100 % accuracy. Failure to comply may result in a claim for {$1000.00} per account for violations of the Fair Credit Reporting Act. 
Thank you for your prompt attention to this matter. I look forward to a response and confirmation that my credit report has been updated accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief