Consumer complaint received 2024-12-13 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: PA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report as they have been fully paid, immediately : Experian***** Account name XXXX XXXX  Account number XXXX Original creditor - Company sold - Account type Credit Card Date opened XX/XX/XXXX Open/closed Open Status Open. {$66.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$580.00} Balance updated XX/XX/XXXX Credit limit {$500.00} Credit usage 117 % Monthly payment {$82.00} Last Payment Date XX/XX/XXXX Past due amount {$66.00} Highest balance {$580.00} Terms - Responsibility Individual Your statement Account name XXXX CARD Account number XXXX Original creditor - Company sold - Account type Credit card Date opened XX/XX/XXXX Open/closed Open Status Open. {$40.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$610.00} Balance updated XX/XX/XXXX Credit limit {$500.00} Credit usage 123 % Monthly payment {$59.00} Last Payment Date XX/XX/XXXX Past due amount {$40.00} Highest balance {$610.00} Terms - Responsibility Individual Your statement - Account name XXXX XXXX  Account number XXXX Original creditor - Company sold - Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$3200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3200.00} Balance updated XX/XX/XXXX Credit limit {$2500.00} Monthly payment - Last Payment Date XX/XX/XXXX Past due amount {$3200.00} Highest balance {$3200.00} Terms - Responsibility Individual Your statement XXXX Account info Account name XXXXXXXX XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Revolving Date opened XX/XX/XXXX Open/closed Open Status Not more than XXXX payments past due Status updated XX/XX/XXXX Balance {$610.00} Balance updated XX/XX/XXXX Credit limit {$500.00} Credit usage 123 % Monthly payment {$59.00} Last Payment Date XX/XX/XXXX Past due amount {$40.00} Highest balance {$610.00} Terms - Responsibility Individual Account Your statement Account name XXXXXXXX XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Revolving Date opened XX/XX/XXXX Open/closed Open Status Not more than XXXX payments past due Status updated XX/XX/XXXX Balance {$580.00} Balance updated XX/XX/XXXX Credit limit {$500.00} Credit usage 117 % Monthly payment {$82.00} Last Payment Date XX/XX/XXXX Past due amount {$66.00} Highest balance {$580.00} Terms - Responsibility Individual Account Your statement XXXX XXXX  XXXX negative months {$3200.00} Closed Account info Account name XXXX XXXX  Account number XXXX Original creditor - Company sold - Account type Revolving Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Status updated XX/XX/XXXX Balance {$3200.00} Balance updated XX/XX/XXXX Credit limit {$2500.00} Monthly payment - Last Payment Date XX/XX/XXXX Past due amount {$3200.00} Highest balance {$0.00} Terms - Responsibility Individual Account Your statement Transunion***** Account name XXXX XXXX  Account number XXXX Original creditor - Company sold - Account type Revolving account Date opened XX/XX/XXXX Open/closed Open Status 30 days past due Status updated XX/XX/XXXX Balance {$580.00} Balance updated XX/XX/XXXX Credit limit {$500.00} Credit usage 117 % Monthly payment {$82.00} Last Payment Date XX/XX/XXXX Past due amount {$66.00} Highest balance {$580.00} Terms - Responsibility Individual account Your statement Account name XXXX XXXX  Account number XXXX Original creditor - Company sold - Account type Revolving account Date opened XX/XX/XXXX Open/closed Open Status XXXX  days past due Status updated XX/XX/XXXX Balance {$610.00} Balance updated XX/XX/XXXX Credit limit {$500.00} Credit usage 123 % Monthly payment {$59.00} Last Payment Date XX/XX/XXXX Past due amount {$40.00} Highest balance {$610.00} Terms - Responsibility Individual account Your statement Account name XXXX  Account number XXXX Original creditor - Company sold - Account type Revolving account Date opened XX/XX/XXXX Open/closed Closed Status Charged off as bad debt Status updated XX/XX/XXXX Balance {$3200.00} Balance updated XX/XX/XXXX Credit limit {$2500.00} Monthly payment - Last Payment Date XX/XX/XXXX Past due amount {$3200.00} Highest balance {$3200.00} Terms - Responsibility Individual account Your statement-

Company response to consumer: Closed with non-monetary relief