Consumer complaint received 2025-11-21 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:
I am writing to dispute several accounts on my credit file that are not accurately reflecting the reality of the events that took place. The XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX with a balance of {$1300.00} * is reported as late during a period of intense family hardship, when I was caring for an immediate family member who required emergency medical treatment. During that time, I contacted XXXX XXXX, explained the situation, and established an approved temporary arrangement. They assured me directly that the late payments would not be reported, and I proceeded in good faith. However, the report now shows late marks that do not reflect the agreement we had in place. Similarly, the XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX with a balance of {$6000.00} * was involved in a dealership contract discrepancy. A dealership manager acknowledged the paperwork error, requested the vehicle be returned to correct the issue, and assured me that it would not negatively affect my credit. I followed every instruction they gave me, only to later discover that incorrect late-payment information had been reported. These inaccuracies do not reflect the truth of these situations, and under FCRA 607 ( b ) and 611 ( a ) ( 5 ) ( A ), I am requesting a complete reinvestigation, including verification through internal call notes, documentation, and account logs. Any unverified or inaccurately recorded information must be promptly corrected or removed. 
I also dispute the multiple charge-off entries appearing under XXXX XXXX XXXX with identical root account numbers ( XXXXXXXX XXXX XXXX XXXX XXXX ) but inconsistent balances of {$4600.00}, {$9500.00}, {$4600.00}, and {$6200.00}. These entries are not only contradictory but impossible, as they represent multiple versions of the same student loan being reported as separate charge-offs. During the time these accounts were supposedly being charged off, I was transitioning between employers and moving across state lines. XXXX repeatedly misplaced paperwork for my consolidation request and, at one point, admitted that their system had duplicated my loan information following a database update. I made several calls attempting to correct the duplicates, and the representative even reassured me that the extra entries would be removed. Instead of correcting the issue, they now appear as four separate defaults, each one inaccurately portraying my financial responsibility. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report information they know, or should know, is inaccurate. I am requesting full verification for each individual entry, including the original signed promissory note and distinct payment history for each separate balance. If a single account can not be proven as a separate, valid obligation, it must be corrected or removed immediately.

Finally, I am disputing the collection accounts and inquiries that are inaccurately listed on my file. XXXX XXXX XXXX XXXX account ( Original Creditor : XXXX XXXX XXXX XXXX ) ending in XXXXXXXX XXXX XXXX XXXX with a balance of {$810.00} * is incorrect because I settled my final utility bill before vacating the residence. I provided the energy company with my move-out date, received a final bill, paid it in full, and have email confirmation of the approved service disconnection. The account should never have entered collections. XXXX XXXX XXXX XXXXXXXX account ending in XXXXXXXX XXXX XXXX XXXX  with a balance of {$680.00} * appears to be the result of misapplied information during the time I lived in a multi-unit property. Mail was frequently delivered to the wrong tenants, and I received several notices meant for other units. This alleged debt does not match any account I opened, used, or authorized. Additionally, I dispute the multiple inquiries on my report, including XXXX XXXX XXXX ( XX/XX/year> ), XXXX XXXX XXXX XX/XX/year> 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 explanation