Consumer complaint received 2024-12-01 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Assistance XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom it May Concern : Subject : Request for Assistance with Potential Errors on My Credit Report Im contacting you because I found some information on my credit report that may be incorrect or unverifiable. I know that the Fair Credit Reporting Act ( FCRA ) allows me to dispute any information that seems inaccurate, and XXXX asking for your help to ensure my report is accurate. 
Here are the accounts Id like you to investigate : XXXX XXXX XXXXXXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : No Data Reported c ) The Equifax shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
a ) The XXXX shows : NOT REPORTED AS REQUIRED by the FCRA and the Resource Guide ( Metro2 @ ) b ) The XXXX shows : NOT REPORTED AS REQUIRED by the FCRA and the Resource Guide ( Metro2 @ ) c ) The Equifax shows : NOT REPORTED AS REQUIRED by the FCRA and the Resource Guide ( Metro2 @ ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : No Data Reported c ) The Equifax shows : XX/XX/XXXX XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : No Data Reported b ) The XXXX shows : No Data Reported c ) The Equifax shows : No Data Reported 5 ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : No Data Reported c ) The Equifax shows : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTED AS REQUIRED by the FCRA and the Resource Guide ( Metro2 @ ) b ) The XXXX shows : NOT REPORTED AS REQUIRED by the FCRA and the Resource Guide ( Metro2 @ ) c ) The Equifax shows : NOT REPORTED AS REQUIRED by the FCRA and the Resource Guide ( Metro2 @ ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXX XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : No Data Reported b ) The XXXX shows : No Data Reported c ) The Equifax shows : No Data Reported XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTED AS REQUIRED by the FCRA and the Resource Guide ( Metro2 @ ) b ) The XXXX shows : NOT REPORTED AS REQUIRED by the FCRA and the Resource Guide ( Metro2 @ ) c ) The Equifax shows : NOT REPORTED AS REQUIRED by the FCRA and the Resource Guide ( Metro2 @ ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXX XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : No Data Reported b ) The XXXX shows : No Data Reported c ) The Equifax shows : No Data Reported XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXX XXXX XXXX XXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTED AS REQUIRED by the FCRA and the Resource Guide ( Metro2 @ ) b ) The XXXX shows : NOT REPORTED AS REQUIRED by the FCRA and the Resource Guide ( Metro2 @ ) c ) The Equifax shows : NOT REPORTED AS REQUIRED by the FCRA and the Resource Guide ( Metro2 @ ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXX XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : No Data Reported b ) The XXXX shows : No Data Reported c ) The Equifax shows : No Data Reported XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXX Please verify the accuracy of the reported information and ensure it aligns with industry reporting standards. If the data can not be verified or corrected, it must be removed from my report immediately. 
Once your investigation is complete, I ask that you provide me with an updated copy of my credit report reflecting any necessary changes. If no action is taken, I request a detailed explanation of the findings and the steps you took to validate the information. 
Thank you for your attention to this matter. I look forward to your prompt response within the timeframe specified under the FCRA Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation