Consumer complaint received 2024-09-06 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Request for Reinvestigation and Removal of Inaccurate Information under 15 USC 1681i ( a ) ( 5 ) ( A ) To Whom It May Concern, I am writing to formally dispute the accuracy of several accounts that are currently listed on my consumer credit report. Under the Fair Credit Reporting Act, I understand that you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my consumer file.

However, I believe that the following accounts contain inaccuracies, and I request that you conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Please delete the following items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : 1. Account Name : XXXX Account Number : XXXX Inaccuracy : The information reported for this account across the three credit bureaus contains discrepancies, including incorrect payment statuses, balance information, and reporting dates. 
Specifics : 1. Payment Status Discrepancy : o XXXX reports the payment status as " Collection/Chargeoff '' with several " CO '' ( charge-off ) notations from XX/XX/XXXX through XX/XX/XXXX, but no " CO '' notation for XX/XX/XXXX, despite the account being reported as derogatory. 
o Equifax also reports the payment status as " Collection/Chargeoff '' with charge-off notations for multiple months. However, no " CO '' notation is reported for XX/XX/XXXX and XX/XX/XXXX. 
o XXXX does not report any payment history, which is inconsistent with the other bureaus. 
2. Balance Inconsistency : o XXXX reports a balance owed of {$460.00} with a past due amount of {$460.00} as of XX/XX/XXXX, but also lists a " High Balance '' as {$0.00}. 
o Equifax reports the same balance of {$460.00}, but the high balance is also listed as {$460.00}, which differs from XXXX 's report. 
3. Account Status Discrepancy : o XXXX reports the account as " Closed '' with a status of " Collection/Chargeoff '' but also notes " Customer disputed account - reported by subscriber, '' indicating a dispute that is no longer active. 
o Equifax reports the account status as " Closed '' with a status of " Collection/Chargeoff '' and indicates " Consumer disputes this account information, '' but does not clarify whether the dispute is resolved. 
4. Date Discrepancies : o The Date of Last Activity reported by XXXX is XX/XX/XXXX, while Equifax reports it as XX/XX/XXXX. The Last Verified dates and Date Reported dates also do not match across the bureaus, with XXXXreporting XX/XX/XXXX and XX/XX/XXXX, respectively, and Equifax reporting XX/XX/XXXX and XX/XX/XXXX. 
5. Remarks Discrepancy : o XXXX includes remarks such as " Customer disputed account - reported by subscriber, '' whereas Equifax states " Consumer disputes this account information '' without clarity on the resolution status, indicating potential inaccuracies in the reporting of the dispute status. 


XXXX. Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Inaccuracy : The reporting for this account shows several inconsistencies across the credit bureaus, particularly regarding payment status, balance owed, and account history. 
Specifics : 1. Balance Inconsistency : o XXXX reports a balance of {$0.00} as of XX/XX/XXXX, while XXXX and Equifax report a balance of {$190.00} on the same date. 
2. Payment Status Discrepancy : o XXXX lists the payment status as " Late 30 Days '' and " Settled - less than full balance, '' whereas XXXX and Equifax report the account as " Collection/Chargeoff '' with varying charge-off dates. 
XXXX. Account Remarks Discrepancy : o XXXX and Equifax mention " Unpaid balance reported as a loss by the credit grantor '' and " Accounts closed by credit grantor, '' but XXXX does not include these remarks. 
4. Date Discrepancy : o The Date of Last Activity is reported as XX/XX/XXXX by XXXX, but XXXX and Equifax report it as XX/XX/XXXX. 
5. Payment History Inconsistencies : o XXXX shows different late payment notations compared to XXXX and Equifax, with varying " 30, '' " 60, '' " 90, '' and " 120 days late '' entries, leading to conflicting payment histories.

Please complete this reinvestigation within the 15 days allowed by law and provide me with written confirmation of the results of your investigation. If the information can not be verified, I request that these items be deleted from my consumer file and that you forward any corrections to all relevant parties who received my credit report in the past six months.

Thank you for your prompt attention to this matter. Please send any updates regarding this dispute to the address listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation