Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XX/XX/XXXX To : Equifax XXXXXXXX XXXX XXXX  XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX Subject : Request for ReInvestigation and Correction of Inaccurate Credit Report Information Dear Sir/Madam , I hope this letter finds you well. I am writing to formally dispute inaccurate information that has been reported on my credit file. After reviewing my credit report, I have identified several discrepancies that need immediate correction. Specifically, these issues include accounts that are marked as " closed '' with missed payments, charge-off accounts with reported balances, and payments due that do not accurately reflect the status of the accounts in question. Also collection accounts without having been sent any Purchase Agreement. 
I believe these inaccuracies are violating my rights under the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S.C. 1681, specifically Section 605 ( a ) ( 4 ) and Section 605 ( c ). These sections of the law require that outdated or incorrect account information be removed or corrected, particularly in the case of charge-off and collection accounts. Furthermore, I have not received any 1099-C forms, which are required to be issued by creditors or debt collectors when a debt is charged off, sold, or forgiven. The failure to issue such forms further substantiates that these accounts should not be reported as they currently are.

Please supply the information below because previously these ongoing investigations were mishandled. Along with my personal information and credit report. There were no corrections so these errors have been negligent and in violation of the Fair and Accurate Credit Transactions Act of 2003 ( 15 U.S.C. XXXX XXXX, subchapter. I 1601 et seq ).

Provide verification and documentation that there is a valid basis for these companies and bureaus to charge-off these debts. For example, can you provide a copy of the written agreement that created the requirement to pay and stipulates your terms for delinquent accounts? 
The amount and age of the debt, and specifically who this debt is assigned to : A copy of the last billing statement sent at the time of the transfer or allocation of the goods, services, or money associated with this debt. 
The following accounts are under dispute : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$33000.00}. Account is reporting Closed Account/ or Charged off. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$3100.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX  Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$28000.00}. Account is reporting Closed Account/ or Charged off. 
I previously disputed this account stating : " This account is incorrectly reporting that I have XXXX late payments. On my Equifax report there are XXXX late payments being reported. ''. I don't agree with the results of your investigation. 
XXXX  Recreational Merchandise with account # XXXX opened on XX/XX/XXXX and a balance of {$33000.00}. Account is reporting Closed Account/ or Charged off. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3200.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. Account is reporting Closed Account/ or Charged off. I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$28000.00}. Account is reporting Closed Account/ or Charged off. 
I previously disputed this account stating : " This account is incorrectly reporting that I have XXXX late payments. On my Equifax report there are XXXX late payments being reported. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$33000.00}. Account is reporting Closed Account/ or Charged off. 
This account is incorrectly reporting that I have XXXX late payments. On my Experian report there are XXXX late payments being reported. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. Account is reporting Closed Account/ or Charged off. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. Account is reporting Closed Account/ or Charged off. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$28000.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1600.00}. Account is reporting Closed Account/ or Charged off. The original creditor is XXXX XXXX XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$33000.00}. Account is reporting Closed Account/ or Charged off. 
This account is incorrectly reporting that I have XXXX late payments. On my Experian report there are XXXX late payments being reported. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. Account is reporting Closed Account/ or Charged off. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. Account is reporting Closed Account/ or Charged off. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$28000.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 












( Include any other relevant accounts here. ) Under the FCRA, I request that you investigate these matters and promptly correct or remove any inaccurate, incomplete, or unverifiable information from my credit report. The errors mentioned above are not only damaging my credit score but are also hindering my ability to obtain loans, credit cards, and employment. This is causing significant financial hardship, and I expect this matter to be handled swiftly. 
As per Section 605 ( c ) of the FCRA, the time limits for reporting charge-offs and collection accounts are clear. Any account that has been charged off or sold, especially after failed multiple periods of reinvestgatings and none up to date and corrected information on my personal credit report by the credit bureaus behalf. These accounts must not be included in my credit file if it fails to meet the legal requirements. I trust you will adhere to these time limits and ensure all inaccurate information is removed or corrected accordingly. 
Please provide me with written confirmation of your investigation results, including a copy of my updated credit report once the inaccuracies have been addressed. As a consumer, I have the right to dispute these entries and ensure that my credit report accurately reflects my financial history. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief