Consumer complaint received 2024-12-29 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: MS

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding the incorrect reporting of several accounts on my credit report by Equifax and its failure to properly investigate or correct these errors. The following accounts are being inaccurately reported, causing harm to my credit standing and violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Accounts in Question : First Premier Bank Account ( Charge-Off ) - {$620.00} The account is reported as a charge-off, but I have disputed this information as it does not accurately reflect the status of the account. It is my belief that the charge-off was reported prematurely or inaccurately. 
XXXX XXXX XXXX  Account ( Charge-Off ) - {$1000.00} Similar to the previous account, this is another charge-off that is inaccurately reported on my credit report. I have disputed this information and request that it be verified or deleted. 
XXXX XXXX Account ( # XXXX ) - {$21000.00} ( Paid ) The XXXX account is reported as " Paid '', but it still reflects an outstanding balance of {$21000.00}, which is incorrect. The account should reflect either a XXXX balance or " Paid in Full '' with no remaining balance. Despite my efforts to resolve this, Equifax has not corrected this discrepancy. 
XXXX XXXX XXXX Account ( Collection ) - {$310.00} ( XXXX ) XXXX XXXX XXXX XXXX  account is reported as a collection. I have requested validation of this debt, but Equifax has not provided adequate documentation or verified the accuracy of the reported debt. 
XXXX XXXX XXXX Account ( # XXXX ) - {$670.00} ( Collection ) The XXXX XXXX XXXX account is listed as in collection. I have disputed the accuracy of this account, as I believe it does not match my records or has been improperly reported. 
Background and Violation of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, I am entitled to a credit report that is accurate, complete, and verifiable. The information reported by Equifax and other creditors is clearly inaccurate and misleading, which is a violation of my rights under the FCRA. Specifically : FCRA Section 607 ( b ) requires that credit reporting agencies like Equifax ensure the accuracy and completeness of the information they report.

FCRA Section 611 ( a ) mandates that if an item on a credit report is disputed, the credit reporting agency must investigate and resolve the dispute within 30 days. However, Equifax has failed to correct the inaccuracies on my credit report despite my repeated disputes. 
Request for Resolution : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) assist in the following : Investigate the inaccurate reporting of the accounts listed above, which were not properly validated or corrected by Equifax. 
Ensure that the accounts from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are accurately reported, and that any unverifiable information is removed from my credit report. 
Ensure that Equifax complies with the FCRA by thoroughly investigating these disputes and correcting any inaccuracies, including providing proper documentation where necessary. 
Confirm that the XXXX account is correctly updated to reflect XXXX balance or " Paid in Full '' status, as the account should not have any remaining balance. 
Provide a copy of my corrected credit report showing the changes made to these accounts. 


I trust that the CFPB will take swift and appropriate action to ensure that Equifax complies with the FCRA and FDCPA, and that the inaccurate information on my credit report is corrected. I appreciate your assistance in resolving this matter promptly. 

Thank you for your time and attention to this important matter. I look forward to your response and the swift resolution of my complaint. 

Sincerely, XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief