Consumer complaint received 2025-11-10 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: CT

Complaint narrative:
b'Recently I did an investigation on my credit report and found several items on there to be inaccurate.\nUnder 15 U.S. Code 1681e (b)Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.\n15 U.S. Code 1681i (5)Treatment of inaccurate or unverifiable information(A)In general if, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shalli)promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and(ii)promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\n\nPlease remove the following items from my credit report, immediately:\n\n\n\nEQUIFAX-\n\nAccount NumberXXXX XXXXAccount Status\nCHARGE_OFF\nOwner\nINDIVIDUAL\nAccount Type\nREVOLVING\nCreditor Classification\n-\nLoan Type\nCREDIT_CARD\nOriginal Creditor Name\n-\nMonths Reviewed\n59\nActivity Designator\nCLOSED\nTerms Frequency\nMONTHLY\nTerm Duration\n-\nPurchased From\n-\nSold To\n-\nBalance and Amounts\nBalanceXXXXnCredit Limit\nXXXX\nHigh Credit\n-\nAvailable Credit\XXXXAccount Dates\nDate OpenedXXXX XXXX XXXXDate Reported\XXXX XXXX XXXXDate of Last Activity\n-\nDate of First DelinquencyXXXX XXXX XXXXComments and Contact\nCHARGED OFF ACCOUNT\nACCOUNT CLOSED BY CREDIT GRANTOR\nCREDIT CARD\nFor questions regarding this account please contact:XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX XXXXXXXXAccount NumbeXXXX XXXXAccount Status\nNOT_MORE_THAN_TWO_PAYMENT_PAST_DUE\nOwner\n-\nAccount Type\nREVOLVING\nCreditor Classification\n-\nLoan Type\nCREDIT_CARD\nOriginal Creditor Name\n-\nMonths Reviewed\n4\nActivity Designator\nCLOSED\nTerms Frequency\nMONTHLY\nTerm Duration\n-\nPurchased From\n-\nSold To\n-\nBalance and Amounts\nBalanceXXXXCredit Limit\XXXXXXXX\nHigh Credit\XXXX\nAvailable Credit\nXXXXAccount Dates\nDate Opened\nXXXX XXXX XXXX\nDate ReportedXXXX XXXX XXXXDate of Last Activity\n-\nDate of First DelinquencyXXXX XXXX XXXXComments and Contact\nACCOUNT CLOSED BY CREDIT GRANTOR\nCREDIT CARD\nFor questions regarding this account please contactXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX XXXXAccount NumberXXXXXXXX XXXXAccount Status\nCHARGE_OFF\nOwner\nINDIVIDUAL\nAccount Type\nREVOLVING\nCreditor Classification\n-\nLoan Type\nCREDIT_CARD\nOriginal Creditor Name\n-\nMonths Reviewed\n58\nActivity Designator\nTRANSFER_OR_SOLD\nTerms Frequency\nMONTHLY\nTerm Duration\n-\nPurchased From\n-\nSold ToXXXX XXXX XXXX XXXXBalance and Amounts\nBalance\n$XXXX\nCredit Limit\n$XXXX\nHigh Credit\n-\nAvailable Credit\n$XXXX\nAccount Dates\nDate OpenedXXXX XXXX 2020\nDate ReportedXXXX XXXX XXXXDate of Last Activity\n-\nDate of First Delinquency\XXXX XXXX XXXXComments and Contact\nCHARGED OFF ACCOUNT\nACCOUNT TRANSFERRED OR SOLD\nCREDIT CARD\nFor questions regarding this account please contacXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DE XXXX XXXXAccount NumberXXXX XXXXAccount Status\nCHARGE_OFF\nOwner\nINDIVIDUAL\nAccount Type\nREVOLVING\nCreditor Classification\n-\nLoan Type\nSECURED_CREDIT_CARD\nOriginal Creditor Name\n-\nMonths Reviewed\n65\nActivity Designator\n-\nTerms Frequency\nMONTHLY\nTerm Duration\n-\nPurchased From\n-\nSold To\n-\nBalance and Amounts\nBalanceXXXXCredit Limit\XXXXHigh Credit\n-\nAvailable Credit\XXXXAccount Dates\nDate OpeneXXXX XXXX XXXXnDate ReportedXXXX XXXX XXXXDate of Last Activity\n-\nDate of First DelinquencyXXXX XXXX8, XXXXComments and Contact\nCHARGED OFF ACCOUNT\nSECURED CREDIT CARD\nVARIABLE/ADJUSTABLE RATE\nFor questions regarding this account please contact:XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXAccount NumbeXXXX XXXXAccount Status\nPAYS_AS_AGREED\nOwner\nINDIVIDUAL\nAccount Type\nREVOLVING\nCreditor Classification\n-\nLoan Type\nCREDIT_CARD\nOriginal Creditor Name\n-\nMonths Reviewed\n84\nActivity Designator\nPAID_AND_CLOSED\nTerms Frequency\nMONTHLY\nTerm Duration\n-\nPurchased From\n-\nSold To\n-\nBalance and Amounts\nBalance\nXXXXCredit Limit\XXXX\nHigh CreditXXXXAvailable Credit\XXXXAccount Dates\nDate OpenedXXXX XXXX XXXXDate ReportedXXXX XXXX XXXXDate of Last ActivityXXXX XXXXnDate of First Delinquency\n-\nComments and Contact\nCLOSED OR PAID ACCOUNTXXXX BALANCE\nCREDIT CARD\nFor questions regarding this account please contacXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXXAccount NumberXXXX XXXXAccount Status\nCOLLECTION\nOwner\nINDIVIDUAL\nAccount Type\nOPEN\nCreditor Classification\nFINANCIAL\nLoan TypeXXXX_ACCOUNT\nOriginal Creditor NameXXXX XXXXMonths Reviewed\n1\nActivity Designator\n-\nTerms Frequency\n-\nTerm Duration\n-\nPurchased From\n-\nSold To\n-\nBalance and Amounts\nBalance\XXXXCredit Limit\n-\nHigh CrediXXXXAvailable Credit\n-\nAccount Dates\nDate OpenedXXXX XXXX XXXXDate ReportedXXXX XXXX XXXXAccount NumbeXXXX XXXXAccount Status\nCOLLECTION\nOwner\nINDIVIDUAL\nAccount Type\nOPEN\nCreditor Classification\nFINANCIAL\nLoan Type\nDEBT_BUYERS_ACCOUNT\nOriginal Creditor NameXXXX XXXX XXXX XXXX XXXXMonths Reviewed\n36\nActivity Designator\n-\nTerms Frequency\n-\nTerm Duration\n-\nPurchased From\n-\nSold To\n-\nBalance and Amounts\nBalanceXXXXCredit Limit\n-\nHigh Credit\XXXXAvailable Credit\n-\nAccount Dates\nDate OpenedXXXX XXXX XXXXDate ReportedXXXX XXXX XXXXAccount NumberXXXX XXXXAccount Status\nCOLLECTION\nOwner\nINDIVIDUAL\nAccount Type\nOPEN\nCreditor Classification\nFINANCIAL\nLoan Type\nXXXXACCOUNT\nOriginal Creditor NameXXXX XXXX XXXX XXXX XXXXMonths Reviewed\n34\nActivity Designator\n-\nTerms Frequency\n-\nTerm Duration\n-\nPurchased From\n-\nSold To\n-\nBalance and Amounts\nBalance\nXXXXnCredit Limit\n-\nHigh Credit\XXXXAvailable Credit\n-\nAccount Dates\nDate OpenedXXXX XXXX XXXXDate ReportedXXXX XXXX XXXXAccount NumbeXXXX XXXXAccount Status\nCOLLECTION\nOwner\nINDIVIDUAL\nAccount Type\nOPEN\nCreditor Classification\nFINANCIAL\nLoan TypeXXXXACCOUNT\nOriginal Creditor NameXXXX XXXX XXXX XXXX XXXXMonths Reviewed\n37\nActivity Designator\n-\nTerms Frequency\n-\nTerm Duration\n-\nPurchased From\n-\nSold To\n-\nBalance and Amounts\nBalanceXXXXCredit Limit\n-\nHigh Credit\XXXXnAvailable Credit\n-\nAccount Dates\nDate OpenedXXXX XXXX XXXXDate Reported\nXXXX XXXX XXXXAccount NumberXXXX XXXXXXXXAccount Status\nCOLLECTION\nOwner\nINDIVIDUAL\nAccount Type\nOPEN\nCreditor Classification\nBANKING\nLoan TypeXXXXACCOUNT\nOriginal Creditor NameXXXX XXXX XXXX XXXXMonths Reviewed\n17\nActivity Designator\n-\nTerms Frequency\n-\nTerm Duration\n-\nPurchased From\n-\nSold To\n-\nBalance and Amounts\nBalanceXXXXCredit Limit\n-\nHigh CreditXXXX\nAvailable Credit\n-\nAccount Dates\nDate OpenedXXXX XXXX XXXXDate ReportedXXXX XXXX XXXXAccount Number\XXXX XXXXXXXXAccount Status\nCOLLECTION\nOwner\nINDIVIDUAL\nAccount Type\nOPEN\nCreditor Classification\nRETAIL\nLoan TypeXXXXACCOUNT\nOriginal Creditor Name\XXXX XXXXMonths Reviewed\n-\nActivity Designator\n-\nTerms Frequency\n-\nTerm Duration\n-\nPurchased From\n-\nSold To\n-\nBalance and Amounts\nBalanceXXXXCredit Limit\n-\nHigh CreditXXXXAvailable Credit\n-\nAccount Dates\nDate OpenedXXXX XXXX XXXXDate ReportedXXXX XXXX XXXXAccount NumberXXXX XXXXAccount Status\nCOLLECTION\nOwner\nINDIVIDUAL\nAccount Type\nOPEN\nCreditor Classification\nRETAIL\nLoan Type\nDEBT_BUYERS_ACCOUNT\nOriginal Creditor Name\XXXX XXXX XXXX XXXXI\nMonths Reviewed\n-\nActivity Designator\n-\nTerms Frequency\n-\nTerm Duration\n-\nPurchased From\n-\nSold To\n-\nBalance and Amounts\nBalanceXXXXCredit Limit\n-\nHigh Credit\XXXXnAvailable Credit\n-\nAccount Dates\nDate Opened\XXXX XXXX XXXXDate ReportedXXXX XXXX XXXXCollection AgencXXXX XXXX XXXX XXXXOriginal Creditor Name\XXXXDate AssignedXXXX XXXX XXXXOriginal Amount OwedXXXXAmounXXXXStatus DateXXXX XXXX XXXXStatus\nUNPAID\nBalance DatXXXX XXXX XXXXAccount Designator Code\nINDIVIDUAL_ACCOUNT\nAccount NumberXXXXAccount NumberXXXX XXXXAccount Status\nJOINT\nAccount Type\nMORTGAGE\nCreditor Classification\n-\nLoan TypeXXXX\nOriginal Creditor Name\n-\nMonths Reviewed\n37\nActivity Designator\n-\nTerms Frequency\nMONTHLY\nTerm Duration\n30 YEARS\nPurchased From\n-\nSold To\n-\nBalance and Amounts\nBalanceXXXXCredit Limit\n-\nHigh Credit\nXXXXAvailable Credit\n-\nAccount Dates\nDate OpenedXXXX XXXX XXXXDate ReporteXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief