Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Request for Immediate Removal of Inaccurate and Fraudulent Accounts from Credit Report Dear Equifax, I am writing to formally notify Equifax that I have filed several disputes regarding inaccurate and erroneous information on my credit report, both directly with your company and through the Consumer Financial Protection Bureau ( CFPB ). I am writing to formally address a critical issue regarding the handling of two accounts by Equifax, which have been erroneously placed on my credit report. Despite multiple disputes, reports, and phone calls to your agents, these accounts have not been resolved, and the matter continues to be ignored. I am requesting the immediate removal of these accounts from my credit report. 

The first account in question is listed as XXXX XXXX XXXX, account # XXXX, with the following contact information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Phone : ( XXXX ) XXXX This account is reported as past due and in collections, in the amount of {$3700.00}. I have no association with this company, nor have I ever entered into any agreement or contract with them. I have made repeated requests since XX/XX/year> for documentation, including a bill of sale, debt validation, and a 1099-C form. No evidence or validation of the debt has been provided. Furthermore, Equifax has allowed this account to be continuously reported with inconsistencies, including changes in the account status from open to charged off and back to open. The original creditor name is also fluctuating, with recent reports showing it as XXXX XXXX XXXX. 

The second account involves 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 This account reports a debt of {$1200.00}. Similar to the first account, it has been inconsistently reported, being opened and closed on my credit report multiple times in a single day. I have disputed this account numerous times, yet Equifax continues to allow this fraudulent reporting to persist. 

These inaccurate and fraudulent accounts have caused significant damage to my credit score, severely hindering my ability to make important financial decisions. Your company 's failure to properly investigate and address these matters has significantly impacted my ability to secure housing, obtain a VA loan, and purchase a vehicle, despite my substantial down payment. I have also faced repeated errors, including the reinsertion of deleted accounts onto my credit report, which constitutes a violation of my rights under the Fair Credit Reporting Act. 

Please consider this a formal demand for the immediate correction of these errors, in compliance with the Fair Credit Reporting Act ( FCRA ). I expect a timely resolution to this matter and appreciate your prompt attention to ensure these accounts are permanently removed. 

I insist you conduct an investigation as required by FCRA law. Do not accept the findings of the furnishers who do not provide thorough results of their investigation which I will ask you to provide to me in detail via mail. Delete or correct disputed information within the timeline provided by federal law. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation