Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX, GA XXXX This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

XXXX  # XXXX You reported that i was 30 days late in XXXX of XXXX in the status and in the payment history. But on the date of last payment it states XXXX of XXXX. So how would i be 30 days late if that was the month of my last payment. Then how do you have 60 days late XXXX of XXXX. Again My last payment was XXXX. You also report the last reporting date XX/XX/XXXX where XXXX and XXXX have XX/XX/XXXX. Thats 2 years off. This is not XXXX percent accurate information. Please update to pays on time with no late. 

XXXX XXXX have no data in reported in last payment and last active. But in XXXX and XXXX you claim i was 30 and 60 days late. XXXX and XXXX both have last payment as XX/XX/XXXX and active as XX/XX/XXXX. No payments were reported after. This is very inaccurate reporting please update the account to no late payments and pays on time. 


XXXX You report several inaccuracies again. The date of open is different from XXXX. You also report on status that i was 60 days late in the status. But in last payment you have XXXX. XXXX XXXX. But in the history you claim 30 days late. How am i 30 days late if that was the last month i made a payment. Even then the other XXXX bureaus have the last payment date at XX/XX/XXXX while u report XXXX. So how would i be late 60 days in XXXX? While the other bureaus all report different dates. Please update to pays time with no lates. 

XXXX- XXXX You reported that the last date of payment was XX/XX/XXXX but yet didnt add it to the payment history. Please update to pays on time no late payments. 

XXXX XXXX- XXXX Major inaccuracy- and violation of rights. You have deleted the account due to previous disputing. But still have been reporting every month as a charge off. Please delete all payment history. 


XXXX XXXX You are reporting a past due on a charged off account. The account has been charged off so how do i owe a past due balance? You report that i was 30 days late XX/XX/XXXX but XXXX has on time. Then you reported that my last payment was XX/XX/XXXX but in the history you have XXXX as 90 days late. You report XXXX XXXX 30 days where XXXX says paid but then XXXX where i was to made the last payment im already 90 days late. You skipped 60 days. But in XX/XX/XXXX XXXX reports i am XXXX where you have XXXX. You reported 120 days late XXXX months in a row in XXXX and XX/XX/XXXX. There are XXXX many inaccuracies in the payments to list. Please update all to paid and pays on time. This has caused numerous credit applications of mine to br denied. 


XXXX XXXX-have disputed this over and over and you come back everytime with verified. How? Not one thing matches the other bureau. Not to mention the totals arent just a little off. They are no where close.I want this violation of my rights, privacy of the fair credit reporting act. You failed to verify this a count over and over. And for many years have been reportjng inaccurate information. You report it was opened on XX/XX/XXXX but XXXX has XX/XX/XXXX. You have XXXX at XXXX and XXXX has it at XXXX report high credit at XXXX and XXXX has XXXX. Thats almost a XXXX dollar difference. The last reported is XX/XX/XXXX and XXXX XX/XX/XXXX. The date of last active is where it shows just how long all these inaccuracies have hurt me. I havent been able to get a car in almost XXXX  years because you allowed this. And said it was verified. Last active is XX/XX/XXXX but XXXX has XX/XX/XXXX. How is this possible. And finally the last payment you report as XX/XX/XXXX and XXXX XX/XX/XXXX. These are in different years. Not off by months. I want this account removed immediately. 


XXXX XXXX Again you report in status you report i was 90 days late but not once in the payment history do you have me late XXXX time. UPDATE TO PAYS ON TIME ALL THE TIME IN STATUS. 


XXXX XXXX Numberous inaccurate information. Again in status u report status as 120 days late whete the other bureaus have different. You report my last payment date as XX/XX/XXXX but in history u reported 30 days late. The following month im marked as 60 days late which is impossible if u reported last payment XX/XX/XXXX. But thrn for XXXX, XXXX, XXXX, XXXX all 120 days late each month. Serious inaccuracies. You again verified this was correct. This has hurt my credit over and over when you failed to verify you were reporting correctly. How is 4 months at 120 days late accurate? UPDATE STATUS TO PAYS ON TIME AND ALL LATES TO PAID Immediately. 




XXXX XXXX XXXX-AGAIN U FAILED TO VERIFY ALL REPORTED INFO WAS ACCURATE SEVERAL TIMES. You report the last day reported as XX/XX/XXXX and the other two bureaus have XX/XX/XXXX. Same with last active XX/XX/XXXX the other bureaus have XX/XX/XXXX. Last payment you report as XX/XX/XXXX and the other bureaus XXXX have XX/XX/XXXX. PLEASE REMOVE THIS ACCOUNT YOU HAVE CAUSED SEVERAL CREDIT TERMS TO BE DENIED DUE TO NOT ACCURATELY REPORTING AND VERIFYING. 

XXXX XXXX XXXX FAILED VERIFICATION. U CLAIM THIS IS 120 DAYS LATE IN THE STATUS. BUT IN THE PAYMENT HISTORY YOU HAVE 120 LATE 3 MONTHS IN A ROW. WHICH DO NOT MATCH THE OTHER BUREAUS. YOU REPORT I WAS LATE 30 DAYS ON THE MONTH THAT YOU ALSO REPORT WAS MY LAST PAYMENT. IUPDATE STATUS TO PAYS ONTIME ALL THE TIME AND MAKE ALL LATE PAYMENTS ON TIME. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract with all payments and due amounts of any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it along with every single late payments that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be corrected or removed and if you are unable to provide me a copy of verifiable proof, you must correct or remove.

Company response to consumer: Closed with non-monetary relief