Consumer complaint received 2024-11-12 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: SC

Complaint narrative:
The following information is wrong on my Equifax credit report. 
Credit report confirmation # XXXX XXXX XXXX XXXX on page XXXX. 

Summary Account Status : Shows 120 days past due. However, in Comments XXXX, it shows XX/XX/XXXX, 180 days or more past due. How can it be 120 days past due, but then be 180 days or more past due, but In Account Details it shows Amount Past Due is {$0.00}. This is inaccurate.

Available Credit : All Information is missing. This is inaccurate.

Account History Balance : All information is missing except for {$0.00} on XX/XX/XXXX. This is inaccurate and incomplete. 

Available Credit : All information is missing. This is inaccurate and incomplete. 

Scheduled Payment : All information is missing except for {$0.00} on XX/XX/XXXX. This is inaccurate and incomplete. 

Actual Payment : All information is missing except for {$0.00} on XX/XX/XXXX. This is inaccurate. Also, in Account Details it shows Date of last payment on XX/XX/XXXX. This information is missing in Actual Payment section. This is inaccurate. Why were all of the payments that I made were removed? Why did you remove all of the good stuff and only leave the bad stuff? You must have done this on purpose in effort hurt my credit score. 

High Credit : All information is missing except for {$140000.00} on XX/XX/XXXX. This is inaccurate.

Credit Limit : All information is missing. This is inaccurate and incomplete.

Amount Past Due : All information is missing except for {$0.00} on XX/XX/XXXX. This is inaccurate and incomplete. How can {$0.00} be past due? 

XXXX XXXX : All information is missing. This is inaccurate and incomplete.

Payment History All information is missing. This is inaccurate.

Account Details Credit Limit : Missing. This is inaccurate. 

Balance : Shows {$0.00}. How can this show {$0.00} if it is past due. This is inaccurate.

Amount Past Due : Shows {$0.00}. How is that even possible?

Actual Payment Amount : Shows {$0.00} however in Comments XXXX it shows 180 days or more past due and in the Summary section- Account Status : It shows over 120 days past due. This information is inaccurate.

Date of Last Activity : Information is missing. This is inaccurate.

Term Duration : Information is missing. This is inaccurate. 

Date of Last Payment : Shows XX/XX/XXXX, but in Account History under actual payment and payment history, this information is missing. This is inaccurate.

Months Reviewed : Shows 11 months. This is inaccurate.

Activity Designator : Information is missing. This is inaccurate.

Deferred Payment Start Date : Information is missing. This is inaccurate.

Date of First Delinquency : Shows XX/XX/XXXX, but records of payments are missing. This is inaccurate.

Delinquency First Reported : Shows XX/XX/XXXX, but records of delinquency reported are missing. This is inaccurate and incomplete. 

Creditor Classification : Shows UNKNOWN. How can you not know your own classification? Are you NOT the creditor? This is inaccurate and incomplete.

Charge Off Amount : Information is missing. This is inaccurate and incomplete.

Balloon Payment Amount : Information is missing. This is inaccurate and incomplete.

Date Closed : Information is missing. This is inaccurate and incomplete.

Ive reviewed my records, and the information on my report for this account is inaccurate and incomplete. 

Included with this dispute is a copy of the report that shows the incorrect information. 

Please fix everything and let me know what you fin. Also, please tell me what you did to fix the mistakes. 

Thank you for your attention to this matter. Im looking forward to hearing from you soon. And please dont send any letters which are intended to stall this matter and claim that I didnt provide enough proof of identity and address.

Company response to consumer: Closed with explanation