Consumer complaint received 2025-02-18 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Section 611 Dispute for Immediate Removal of Inaccurate Charge-Offs Dear Equifax, I am writing to formally dispute the inaccurate reporting of charge-offs on my credit report under Section 611 of the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX my Social Security Number is XXXX. 

Upon reviewing my credit report, I discovered charge-offs being reported inaccurately month after month. The details are as follows : 1. **Charge-Off Account** : XXXX XXXX **Date reportings Charge-Off** : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX **Reason for Dispute** : This charge-off is not only reported inaccurately but also does not reflect the true state of my account. I have requested the removal of this charge-off on three separate occasions ; however, instead of correcting the error, you have allowed the inaccurate reporting to continue. This ongoing issue constitutes a violation of the FCRA, specifically 15 U.S.C. 1681s-2 ( a ), which mandates that information reported to credit bureaus must be accurate and verifiable.

Furthermore, based on the Fair Debt Collection Practices Act ( FDCPA ), the reporting of a charge-off month after month is unlawful when the information is inaccurate. Additionally, the statute of limitations for collecting debts in many jurisdictions extends beyond the initial reporting period, which means that continued reporting of an inaccurate charge-off is not only misleading but may also constitute fraud, both by your agency and the original creditor.

I am demanding the immediate removal of this charge-off from my credit report and statutory damages for each violation incurred due to this ongoing issue. As I have repeatedly communicated the inaccuracies and you have failed to correct them after three separate investigations, I am seeking {$1000.00} for each reporting violation, which totals {$19000.00}. I require confirmation of the removal of all inaccurate information from my credit report.

3**Charge-Off Account** : XXXX XXXX XXXX  **Date reportings Charge-Off** XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, **Reason for Dispute** : This charge-off is not only reported inaccurately but also does not reflect the true state of my account. I have requested the removal of this charge-off on three separate occasions ; however, instead of correcting the error, you have allowed the inaccurate reporting to continue. This ongoing issue constitutes a violation of the FCRA, specifically 15 U.S.C. 1681s-2 ( a ), which mandates that information reported to credit bureaus must be accurate and verifiable.

Furthermore, based on the Fair Debt Collection Practices Act ( FDCPA ), the reporting of a charge-off month after month is unlawful when the information is inaccurate. Additionally, the statute of limitations for collecting debts in many jurisdictions extends beyond the initial reporting period, which means that continued reporting of an inaccurate charge-off is not only misleading but may also constitute fraud, both by your agency and the original creditor.

I am demanding the immediate removal of this charge-off from my credit report and statutory damages for each violation incurred due to this ongoing issue. As I have repeatedly communicated the inaccuracies and you have failed to correct them after three separate investigations, I am seeking {$1000.00} for each reporting violation, which totals {$10000.00}. I require confirmation of the removal of all inaccurate information from my credit report.

4**Charge-Off Account** : XXXX XXXX **Date reportings Charge-Off** XXXX, XXXX, XX/XX/XXXX, **Reason for Dispute** : This charge-off is not only reported inaccurately but also does not reflect the true state of my account. I have requested the removal of this charge-off on three separate occasions ; however, instead of correcting the error, you have allowed the inaccurate reporting to continue. This ongoing issue constitutes a violation of the FCRA, specifically 15 U.S.C. 1681s-2 ( a ), which mandates that information reported to credit bureaus must be accurate and verifiable.

Furthermore, based on the Fair Debt Collection Practices Act ( FDCPA ), the reporting of a charge-off month after month is unlawful when the information is inaccurate. Additionally, the statute of limitations for collecting debts in many jurisdictions extends beyond the initial reporting period, which means that continued reporting of an inaccurate charge-off is not only misleading but may also constitute fraud, both by your agency and the original creditor.

I am demanding the immediate removal of this charge-off from my credit report and statutory damages for each violation incurred due to this ongoing issue. As I have repeatedly communicated the inaccuracies and you have failed to correct them after three separate investigations, I am seeking {$1000.00} for each reporting violation, which totals {$5000.00}. I require confirmation of the removal of all inaccurate information from my credit report.

XXXX XXXX XXXX XXXX XXXX XXXX **Reason for Dispute** : inaccuracies in my credit report concerning two accounts that appear to be duplicates. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) and the regulations set forth by the Consumer Financial Protection Bureau ( CFPB ).

I have noticed that my credit report lists two separate accounts that are inaccurately reported as duplicates. This misrepresentation can severely impact my credit score and financial opportunities. As stipulated by the FCRA, I have the right to dispute any inaccuracies in my credit report and to have these errors investigated by you.

Under the FCRA, it is your responsibility to ensure that the information you report is accurate and complete. In this case, the duplicate accounts create an erroneous impression of my credit history, which must be rectified. I kindly request that you conduct a thorough investigation into this matter.

Additionally, I am requesting a wet signature of the original contracts and any related payment documentation for these accounts. This documentation is vital for verifying the accuracy of the reported information and ensuring compliance with the FCRA requirements. Please remove the inaccurate accounts from my credit report and provide me with written confirmation of these corrections. I appreciate your prompt attention to this matter and look forward to your swift response.

Enclosed are copies of any relevant documents to support my claim. Please notify me of the outcome of your actions within 30 days, as required by law.

Thank you for your immediate attention to this serious matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX Enclosed are copies of any relevant documents to support my claim. Please notify me of the outcome of your actions within 30 days, as required by law. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief