Consumer complaint received 2024-12-18 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: CA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Report Information Multiple Accounts I am writing to dispute inaccuracies and unverifiable information on my credit report as required under the Fair Credit Reporting Act ( FCRA ). Please investigate and correct the following errors promptly. 

AccounXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : Ending in XXXX Account Type : XXXX ( Revolving ) Account Status : CHARGE-OFF Issues Identified : XXXX. Future Date Reported : Listed as XX/XX/year>, which is inaccurate and unverifiable. 
FCRA Violation : 607 ( b ) Inaccurate reporting must be corrected.

2. Active Balance and Over-Limit Status : The account shows a balance of {$1000.00} with a credit limit of {$700.00} and Available Credit of - {$320.00}, despite being marked as CHARGE-OFF.

FCRA Violation : 623 ( a ) ( 2 ) Furnishers must report accurate information.

3. Missing Date of Last Activity : Prevents verification of the 7-year reporting window. 
FCRA Violation : 605 ( a ) ( 4 ) Derogatory items must comply with the reporting period.

4. Unresolved Dispute : The report states Reinvestigation in Progress but no resolution has been provided.

FCRA Violation : 611 ( a ) ( 1 ) Investigations must conclude within 30 days.

5. Missing Original Creditor Information : The Original Creditor Name field is blank.

FCRA Violation : 609 ( a ) ( 1 ) Consumers have the right to know the original source. 

Account 2 : XXXX XXXX XXXX Account Number : Ending in XXXX Account Type : XXXX ( Revolving ) Account Status : CHARGE-OFF Issues Identified : XXXX. Future Date Reported : Listed as XX/XX/year>, which is inaccurate and unverifiable. 
FCRA Violation : 607 ( b ) Information must be accurate and verifiable.

2. Active Balance and Over-Limit Status : The account reflects a balance of {$1100.00} with a credit limit of {$500.00} and Available Credit of - {$640.00}, despite being charged off.

FCRA Violation : 623 ( a ) ( 2 ) Reporting of balances on charge-offs is inaccurate.

3. Missing Date of Last Activity : Prevents confirmation of compliance with the 7-year reporting period.

FCRA Violation : 605 ( a ) ( 4 ) Inaccurate or incomplete reporting violates the FCRA.

4. Unresolved Dispute : The account indicates Reinvestigation in Progress with no resolution provided.

FCRA Violation : 611 ( a ) ( 1 ) Disputes must be resolved within 30 days.

5. Missing Original Creditor Information : The Original Creditor Name is not listed, which is required for transparency.

FCRA Violation : 609 ( a ) ( 1 ) Consumers must have access to creditor details.

Requested Actions Pursuant to my rights under the FCRA, I request the following actions : 1. Conduct a full investigation into the inaccuracies outlined above. 
2. Correct or delete any unverifiable or inaccurate information immediately.

3. Provide me with the results of your investigation within 30 days of receiving this letter. 

If Equifax can not verify the accuracy and completeness of the disputed accounts, I request their immediate removal from my credit report. 

Please respond to this dispute promptly to ensure compliance with the FCRA. Failure to do so will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and further action if necessary.

Company response to consumer: Closed with explanation