Consumer complaint received 2025-02-08 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: LA

Complaint narrative:
This is a request for reinvestigation. I received a copy of my credit report, and I believe the following item of information to be inaccurate : Account Name : XXXX Account Number : XXXX I believe the following account on my credit report is reporting inaccurately and is incomplete. I believe the details, payments, and 24-month history are reporting either inaccurately or incompletely. I ask that you investigate this account for completeness and accuracy and notify the furnisher that this item of information is being disputed. I also ask that you consider all relevant information I have included with this dispute. 

1. The creditor classification is missing information. Why is this data missing? What is the creditor classification for this account? Fix this or delete the entire account.

2. The term duration is missing information. Why is this data missing? What is the term duration for this account? Fix this or delete the entire account.

3. Sold to is missing information, but the activity designator is reporting that the account was transfer, sold, or paid. Was the account sold, paid, or transferred? How can both be correct? Which one is right? Which one is wrong? Are they both wrong? Fix this or delete the entire account. 
4. Under payment history, XX/XX/XXXX to XX/XX/XXXX, and XX/XX/XXXX to XX/XX/XXXX is missing information. Why is this data missing? What is the payment history for these missing months? Why is the payment history reporting partial information? Fix this or delete the entire account. 
5. Under the payment history, XX/XX/XXXX is reporting as paid on time, but XX/XX/XXXX is reporting as 60 days past due. How can both be correct? Which one is right? Which one is wrong? Are they both wrong? Fix this or delete the entire account. 
6. The date opened is reporting as XX/XX/XXXX, but payment history for XX/XX/XXXX to XX/XX/XXXX is reporting as no data available. How can both be correct? Which one is right? Which one is wrong? Are they both wrong? Fix this or delete the entire account. 
7. The date reported is reporting as XX/XX/XXXX, but in the payment history, XX/XX/XXXX is reporting as no data available. How can both be correct? Which one is right? Which one is wrong? Are they both wrong? Fix this or delete the entire account. 
8. Date of first delinquency is reporting as XX/XX/XXXX, but in the payment history, XX/XX/XXXX is reporting as no data available. How can both be correct? Which one is right? Which one is wrong? Are they both wrong? Fix this or delete the entire account. 
9. The date of last activity is missing information. Why is this data missing? What was the date of last activity for this account? Fix this or delete this entire account.

10. The deferred payment start date is missing information. Why is this data missing? What is the deferred payment start date? Fix this or delete this entire account.

11. The date closed is missing information. Why is this data missing? What date was this account closed? Fix this or delete this entire account. 
12. The scheduled payment amount is missing information. Why is this data missing? What is the scheduled payment amount? Fix this or delete this entire account.

13. The charge off amount is missing information. Why is this data missing? What is the charge off amount? Fix this or delete this entire account.

14. The balloon payment date is missing information. Why is this data missing? What is the balloon payment date? Fix this or delete this entire account.

15. The balloon payment amount is missing information. Why is this data missing? What is the balloon payment amount? Fix this or delete this entire account.

16. The amount past due is missing information. Why is this data missing? What was the amount past due? Fix this or delete this entire account. 
17. Under the account history, the balance table has missing information for XX/XX/XXXX to XX/XX/XXXX. Why dont you have any data for these months? Why is the data missing? What was the balance for the missing months? Why is this reporting partial information? Fix this or delete the entire account. 
18. Under the account history, the scheduled payment table has missing information for XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX. Why dont you have any data for these months? Why is the data missing? What was the scheduled payments for the missing months? Why is this reporting partial information? Fix this or delete the entire account. 
19. Under the account history, the actual payment table has missing information for XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. Why dont you have any data for these months? Why is the data missing? What was the actual payment for the missing months? Why is this reporting no information? Fix this or delete the entire account. 
20. Under the account history, the credit limit table has missing information for XX/XX/XXXX to XX/XX/XXXX. Why dont you have any data for these months? Why is the data missing? What was the credit limit for the missing months? Why is this reporting partial information? Fix this or delete the entire account. 
21. Under the account history, the amount past due table has missing information for XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX. Why dont you have any data for these months? If applicable, what was the amount past due for the missing months? Why is this reporting partial information? Why is the data missing? Fix this or delete the entire account. 

If you determine that this dispute is frivolous or irrelevant, please provide me with the notice of determination within 5 business days containing the reason and information required to investigate the disputed information. 

Otherwise, please delete or modify this misleading information, notify the furnisher, and send me an updated copy of my credit file within 5 business days after the completion of your reinvestigation. 

Upon completion of your reinvestigation, I am also requesting the business name, business address, and telephone number, if available, that was used in connection with this reinvestigation. Lastly, please provide a description of the procedure used. 

If this reinvestigation results in a deletion, please provide notification to all persons who pulled my credit report within the last 6 months. Also, please send my reinvestigation results by mail to the address above and not via email. 

I have also attached a copy of my ID, proof of address, SS Card, and my marked up Equifax credit report highlighting the errors.

Company response to consumer: Closed with non-monetary relief