Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
To whom it may concern : I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates12 CFR Part 1022 ( Regulation V ) requires furnishers to : A Furnish information about accounts or other relationships with a consumer that has integrity.B - Furnish information about accounts or other relationships with a consumer that is accurate.C - Conduct reasonable investigations of consumer disputesThe XXXX standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards jeopardizes the integrity of data. This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately! 
XXXXXXXX XXXX  Account Number XXXX Status Closed Type Revolving Unpaid Balance {$11000.00} Comments CHARGED OFF ACCOUNT Date Opened XXXX Last Activity XXXX High Balance- Monthly Payment -- Current Rating CollectionOrChargeOff Term Source Type -- Original Creditor- Highest Adverse Rating CollectionOrChargeOff Most Recent Adverse Rating- I noticed the account XXXX XXXX with number XXXX is incorrectly reporting a rating of CollectionOrChargeOff. You mentioned it was opened on XXXX, with a date of last activity as XXXX, and verified it last on XXXX. This information is not accurate. 
This is affecting my ability to achieve my financial goals, like improving my credit score for a loan. According to 15 U.S.C. 1681s-2, I request the verification details and proof of the {$11000.00}, which I contest. 
I appreciate your immediate attention to this. 
XXXXXXXX XXXX  Account Number XXXX Status Closed Type Revolving Unpaid Balance {$3100.00} Comments CHARGED OFF ACCOUNT Date Opened XXXX Last Activity XXXX High Balance- Monthly Payment -- Current Rating CollectionOrChargeOff Term Source Type -- Original Creditor- Highest Adverse Rating CollectionOrChargeOff Most Recent Adverse Rating- The account XXXX XXXXXXXX with number XXXX is wrong on my credit report, showing a rating of CollectionOrChargeOff. It has incorrect dates ( XXXX and XXXX ). This is blocking my financing. 
As stated in 15 U.S.C. 1681e ( b ), I demand the account be deleted. Please send proof of the {$3100.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX DOB : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, UT XXXX The document I have sent you XXXX my concerns about the accuracy and truthfulness of your reporting. The law requires that you follow certain procedures to ensure this, but according to what's required by both FCRA as well Metro 2 -- it needs certified compliant. 
Faithfully XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief