Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX Old XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to dispute several inaccuracies in my credit report provided by XXXX XXXX XXXX, which was last reported on XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe is inaccurate. 
XXXX. Reported XXXX vs. Highest Balance Discrepancy : My report indicates a balance of {$7100.00}, while the highest balance is reported as XXXX  XXXXUnder 15 U.S. Code 1681c-2, I have the right to accurate reporting, and I request that this discrepancy be corrected.

2. Payment History Discrepancy : The report states that I have only made 33 % of my payments on time.The FCRA requires creditors to report accurate payment histories. If I have made timely payments, this should be accurately reflected.

3. Red Status Discrepancy : My account shows a " red status '' for most months in XXXX, indicating missed payments. The FCRA mandates accurate reporting of payment status ; this does not align with my records. 
XXXX. Last Payment Date Discrepancy : The report indicates my last payment was made on XX/XX/XXXX, with a charge-off status. Under FCRA 605 ( a ) ( 4 ), I am entitled to have my account accurately reflect my payment history. If payments have been made after this date, they should be recorded.

5. Charge-Off Status Discrepancy : My account is listed as charged-off, which I believe is inaccurate.The FCRA requires that accounts be reported correctly, and I contest this status.

6. Dispute Remark Discrepancy : The report notes " Consumer disputes- reinvestigation in progress.Under FCRA 611 ( a ), I am entitled to a timely resolution of any disputes I file.

7. Late Payments Discrepancy : The report shows 3 late payments ( 30 days ), 0 ( 60 days ), and 24 ( 90 days ). Inaccurate reporting of late payments violates the FCRA, which mandates that only accurate information be reported. 
In accordance with 15 U.S. Code 1681e ( b ) and 1681i ( 5 ), this account is in violation of not reporting 100 % accurate information. Additionally, I invoke my rights under 15 U.S. Code 1681c-2, which states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft within 4 business days of receipt.

Furthermore, I am invoking my federally protected rights to privacy and confidentiality under 15 U.S.C. 1681. Pursuant to 602 ( A ), I have the right to privacy. According to 604 ( A ) ( 2 ), a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting a copy of the original agreement and terms and conditions for this account. Failure to comply will forfeit your claims and require you to delete all items listed above. You are required to block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice.

Delete these accounts unless you wish to be held accountable for {$1000.00} per account. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief