Consumer complaint received 2025-01-27 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: NY

Complaint narrative:
XXXX. XXXX XXXX XXXX Original Creditor : [ unknown ] Status : Collection account with a balance of {$400.00}, inaccurately reported as unpaid since XX/XX/XXXX, despite evidence that this account was disputed in accordance with the Fair Credit Reporting Act ( FCRA ). 


XXXX. XXXX XXXX XXXX : Account showing a balance of {$50.00} marked as charged off and continuously reported inaccurately since XX/XX/XXXX. This remains unresolved despite prior disputes. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX balance and payment history marked as overdue from 6 years as of XX/XX/XXXX. 


XXXX. XXXXXXXX XXXX XXXX Account : This account has been marked as charged off with a past due balance of {$3000.00} as of XX/XX/XXXX. 

I do not recognize this account and have disputed it with the credit bureau ( XXXX ). No sufficient evidence or validation of this debt has been provided, yet it remains on my report. 

XXXX. XXXX XXXX Account XXXX This account shows a status of paid, closed with past late payments reported. I believe these reports are inaccurate and/or unverifiable. Despite previous disputes, the credit bureau has not adequately investigated or resolved this issue. 

XXXXXXXX XXXX  XXXX Account XXXX This account was closed with a {$290.00} balance written off. I have no recollection of opening or authorizing this account. My attempts to dispute this with the bureau have not resulted in any valid documentation or resolution. 

XXXX. XXXX XXXX XXXX ( Duplicate Reporting ) : Account Status : Reported twice with identical balances and account details. 

Reason for Dispute : This is a clear duplicate entry, which is an error under the Fair Credit Reporting Act ( FCRA ). 

Requested Action : I request the immediate removal of the duplicate entry and validation of the remaining account with supporting documentation. 

XXXX XXXX XXXX XXXX XXXX Account Status : Showing a balance of {$5500.00} past due as of XX/XX/XXXX with a history of being 180 days past due since XXXX. 

Reason for Dispute : I believe the reporting is inaccurate or unverifiable, and I have not received sufficient documentation validating this debt. 

Requested Action : Validate this debt with proper documentation or remove the account from my report. 

XXXX. XXXX XXXX : Account Status : Listed as a collection account with a balance of {$820.00} as of XX/XX/XXXX. 

Reason for Dispute : This account does not belong to me, and I have no knowledge of this debt. 

Requested Action : Remove this account from my credit report if it can not be validated. 

XXXX XXXX XXXX XXXX XXXX Account Status : Listed as paid and closed with late payments reported in XXXX. 

Reason for Dispute : The late payment reporting is inaccurate, and I have no record supporting this claim. 

Requested Action : Correct the payment history or remove this entry entirely. 

XXXX. XXXX XXXX XXXX : This account is reported as charged off with a {$0.00} balance, but the payment history shows multiple inconsistencies, including charge-offs for XXXX, XXXX, and XX/XX/XXXX. 

Action Taken : I have disputed this account, yet no adequate investigation or validation has been provided. 

Request : Remove this account unless sufficient documentation is provided to validate the reporting. 

XXXX. XXXX XXXX XXXX XXXX : This account is listed as charged off with a balance of {$840.00}, but I have not received documentation validating this debt. 

Action Taken : Previous disputes have failed to resolve the matter. 

Request : Validate the account with clear documentation or remove it if it can not be substantiated. 

XXXX XXXX XXXX XXXX XXXX Issue : This account is reported with a balance of {$480.00}, marked as a collection account. I am not aware of this debt, and it may have been reported in error. 

Action Taken : Disputes with the credit bureaus have not yielded any resolution or proper validation. 

Request : Remove this account if it can not be validated with sufficient documentation. 


XXXX. XXXX XXXX XXXX ( Duplicate Accounts ) : Account # XXXX : A balance of {$150.00} is reported as a collection account with collection activity dating back to XX/XX/XXXX. 

Account # XXXX : A balance of {$610.00} is reported as a separate collection account with overlapping reporting dates. 

Issue : These two accounts appear to be duplicative or inaccurately related. 

Request : Investigate and validate both accounts. Remove any duplicate or erroneous entries that can not be verified. 

XXXX. XXXX XXXX XXXX Account Status : Charged off with a balance of {$840.00}. 

Issue : This account has been inaccurately reported, and no documentation or proper validation has been provided to substantiate the debt. 

Request : Provide documentation validating this account or remove it entirely if it can not be substantiated. 

XXXX XXXX XXXX XXXX XXXX Account Status : Listed as a collection account with a balance of {$480.00}. 

Issue : I do not recognize this debt, and it appears to have been reported in error. 

Request : Validate this account with appropriate documentation or remove it if validation can not be provided. 


XXXX XXXX XXXX XXXX XXXX Account Status : XXXX  XXXX XXXX acct # XXXX Listed as a collection account with a balance of {$2600.00} as of XX/XX/XXXX Issue : I do not recognize this debt, and it appears to have been reported in error. 

Request : Validate this account with appropriate documentation or remove it if validation can not be provided. 


XXXX XXXX XXXX XXXX XXXX Account Status : XXXX XXXX acct. # XXXX Listed as a written off collection account with a balance of {$400.00} as of XX/XX/XXXX. 

Issue : I do not recognize this debt, and it appears to have been reported in error. 

Request : Validate this account with appropriate documentation or remove it if validation can not be provided. 


XXXX XXXX XXXX XXXX XXXX Account Status : XXXX XXXX XXXX acct # XXXX Listed as a written off collection account with a balance of {$590.00} as of XX/XX/XXXX. 

Issue : I do not recognize this debt, and it appears to have been reported in error. 

Request : Validate this account with appropriate documentation or remove it if validation can not be provided. 



XXXX XXXX XXXX XXXX XXXX Account Status : XXXX  XXXX XXXX acct # XXXX Listed as a written off collection account with a balance of {$4600.00} and XXXX on as of XX/XX/XXXX Issue : I do not recognize this debt, and it appears to have been reported in error. 

Request : Validate this account with appropriate documentation or remove it if validation can not be provided. 

Items are being reported in correctly of different amount on each credit bureas.

Company response to consumer: Closed with non-monetary relief