Consumer complaint received 2024-07-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Subject : Request for Removal of Unverifiable and Incomplete Account Information Dear Sir/Madam, I am writing to formally request the removal of an account associated with XXXX  XXXX from my credit report. The account details are provided below : Account Information : Account Number : XXXX High Balance : {$480.00} ( XXXX ), {$0.00} ( XXXX ), {$430.00} ( Equifax XXXX Last Verified : XX/XX/XXXX ( XXXX ), Not Reported ( XXXX ), Not Reported ( Equifax XXXX Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax XXXX Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax XXXX Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX & Equifax XXXX Balance Owed : {$0.00} ( All Bureaus ) Closed Date : XX/XX/XXXX ( XXXX ), Not Reported ( XXXX & Equifax XXXX Account Rating : Paid ( XXXX ), Paid ( XXXX ), Derogatory ( Equifax XXXX Account Description : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, All Banks ( Equifax XXXX Dispute Status : Account not disputed ( All Bureaus ) Creditor Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, All Banks ( Equifax XXXX Account Status : Closed ( All Bureaus ) Payment Status : Collection/Chargeoff XXXX XXXX XXXX Equifax XXXX XXXX XXXX ( XXXX ) Creditor Remarks : Payment after charge off/collection, Dispute resolved ; reported by XXXX ( XXXX ) ; Account legally paid in full for less than the full balance, Account was in dispute - now resolved - reported by subscriber ( XXXX ) ; Settlement accepted on this account, Paid charge off ( Equifax ) Payment Amount : {$0.00} ( All Bureaus ) Last Payment : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Term Length : Not Reported ( All Bureaus ) Past Due Amount : {$0.00} ( All Bureaus ) Account Type : Credit Card ( XXXX & XXXX XXXX XXXX Not Reported XXXX Equifax ) Payment Frequency : Not Reported ( All Bureaus ) Credit Limit : {$300.00} ( XXXX & XXXX ) XXXX Not Reported ( Equifax ) This account has been previously investigated, and it has been determined that the information provided is unverifiable and incomplete. Despite this, the account remains on my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). 
The discrepancies and inconsistencies among the credit reporting agencies, as outlined above, demonstrate the account information is not accurate, complete, or verifiable. Specifically : The high balance reported varies among the bureaus. 
The dates of last activity and dates reported do not match. 
The account status, payment status, and creditor remarks are inconsistent. 
The payment history and days late history do not align across the bureaus. 
Given these significant inaccuracies and the unverifiable nature of the account information, I demand the immediate removal of this account from my credit report by EQUIFAX Please confirm in writing that this account has been removed from my credit report within 30 days of receipt of this letter. Failure to do so will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal action to enforce my rights under the FCRA. 
Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation