Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
I contacted this company because it just appeared on my credit report as a debt owed, and when I disputed it the information was adjusted claiming I owed even more and that it was a charge off. When I requested validation the numbers don't match with what is being reported on my credit report, and when I asked for validation of the charge-off I was told that they have a department that deals directly with the credit reporting agencies, and I was never given that documentation as requested, and the representative stopped responding to my messages. Additionally, I just received an invoice in the mail that does not reflect the same information as what is listed on my credit report or what was stated in the emails. See Email Chain Below RE : Request for Verification of Alleged Debt Account Number XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  To XXXX XXXX Hello XXXX , You have filed consumer dispute with the credit reporting agencies and we are responding with what they have asked us for. We have a department that does that directly with the credit reporting agencies once you file the dispute. We just received the XXXX on XX/XX/XXXX. XXXX XXXX Collector, TimePayment XXXX XXXX XXXX  XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX  To : XXXX, XXXX XXXX Subject : RE : Request for Verification of Alleged Debt Account Number XXXX Thank you for your response regarding the validation of the alleged commercial debt associated with account number XXXX. However, I noticed that your validation did not include any documentation or explanation of the charge-off status reported on my credit file. Under my rights granted by the Fair Credit Reporting Act ( FCRA 623 ), I am requesting the following : Official documentation showing the charge-off date and reason. A copy of all communications regarding the charge-off, including notices sent to me. Proof that the charge-off was accurately reported to the credit bureaus. If this information can not be provided, I request that the charge-off be immediately removed from my credit report due to lack of verification. Please respond in writing within 30 days, as required by federal law. Respectfully, XXXX XXXX On XX/XX/XXXX XXXX XXXX EST XXXX, XXXX XXXX wrote : Good morning XXXX. Just to clarify, this is not a consumer debt. This is a Commercial debt with a Personal Guarantor. I have attached a copy of the noncancelable commercial lease agreement with personal guarantor, the equipment acceptance form, the electronic signature audit trail and a copy of the payment history. The last payment that cleared in this lease is {$570.00} XXXX XXXX. XXXX XXXX Collector, TimePayment XXXX XXXX Ext XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Subject : Request for Verification of Alleged Debt Account Number XXXX Good Morning XXXX, I recently noticed a charged-off account reported by your company on my credit file under account number XXXX. I am formally requesting full verification of this alleged debt under the Fair Credit Reporting Act ( FCRA 623 ) to ensure its accuracy. Please provide the following : A signed agreement or contract proving my liability for this debt. A detailed account history with a breakdown of the principal, interest, fees, and payments. Proof of charge-off details, including the date of delinquency and when it was reported to the credit bureaus. Until you provide proper verification, I dispute the accuracy of this debt and request that you pause all collection activity and remove this charge-off from my credit report if it can not be substantiated. Please respond in writing within 30 days of receipt of this request. Respectfully, XXXX XXXX On XX/XX/XXXX XXXX XXXX  EST XXXX XXXX XXXX wrote XXXX XXXX XXXX XXXX PERSONAL GUARANTOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Good afternoon XXXX, I was forwarded your chat inquiry. I can be reached at XXXX EXT XXXX. Please call me so I can try to assist you on this defaulted lease. I am here until XXXX XXXX  EST today. We are contacting you today about the obligations you have under the Lease you signed with XXXX. It is a non-cancellable Lease. Regardless of vendor issues, or equipment issues, you are obligated to make the monthly payment. Prior to commencing the lease, we confirmed you understood the terms and conditions of the lease. You signed the Lease as a personal guarantor. In doing so, you agreed to personally guarantee all payments would be made. Whether you are still associated with the business or not, you are obligated to make the lease payments. The financial responsibility exists for you, regardless of the status of the business or the equipment. AS REQUIRED BY LAW YOU ARE HEREBY NOTIFIED THAT A NEGATIVE CREDIT REPORT REFLECTING ON YOUR CREDIT RECORD MAY BE SUBMITTED TO A CREDIT REPORTING AGENCY IF YOU FAIL TO FULFILL THE TERMS OF YOUR CREDIT OBLIGATIONS. Please contact us today so we can discuss your options and find a resolution that works for you. Regards, XXXX XXXX Collections Specialist XXXX ext XXXX XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MA XXXX

Company response to consumer: Closed with non-monetary relief