Consumer complaint received 2024-01-19 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: FL

Complaint narrative:
I trust this letter finds you well. I am writing to express my ongoing concern and dissatisfaction with the numerous attempts to correct the reporting of late open account on my credit report, which is maintained by three Credit Bureaus. Despite my concerted efforts to rectify this issue, the late open account persist, adversely affecting my creditworthiness. 

The late open account in question still appeared on my credit file and it have been inaccurately reported as opened late. I have attached copies of supporting documents such as Driver 's License, SSN, and POA, to substantiate my claims and demonstrate the incorrect reporting of this account. 

I have undertaken several steps to address this issue : I have submitted disputes through your bureau, providing detailed explanations and supporting documentation to contest the inaccurate reporting of this late open account. 

I have communicated directly with the creditors associated with this account, seeking their cooperation in correcting the reported opening dates. Unfortunately, these efforts have not yielded the desired outcome. 

I have followed the appropriate channels to dispute this inaccuracies multiple times, yet the late open account persist on my credit report. 

The continual reporting of late open account on my credit report has a profound impact on my credit score and financial opportunities. It is crucial that this matter is resolved promptly to ensure the accuracy and fairness of my credit report. 

I kindly request the following actions to address this issue : Conduct a thorough and comprehensive investigation into the reported late open account, verifying their accuracy and timeliness. 

Collaborate with the relevant creditors to correct this error by promptly updating my credit file to accurately reflect the opening dates of this account. 

Provide me with written confirmation of the correction within the exact timeframe from the date of this letter. 

Implement enhanced quality control measures to prevent the recurrence of such errors in the future, ensuring the accuracy of credit reporting. 

Advise me on any additional steps or information required from my end to expedite this process. 

I recognize the importance of accurate credit reporting in the financial lives of individuals and trust that your bureau upholds the highest standards of integrity and precision in this regard. 

I request a response to this letter within the exact timeframe from the date of receipt. Failure to address this complaint adequately may compel me to seek legal remedies and escalate this matter to relevant regulatory authorities. 

I appreciate your immediate attention to this serious matter and your commitment to resolving it to my satisfaction. I am asking for your assistance to correct this late open account in my credit file : XXXX  XXXX XXXX Balance : {$180.00}.

Company response to consumer: Closed with explanation