Consumer complaint received 2025-03-12 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: VA

Complaint narrative:
Dear Equifax, I disputed these inaccuracies in my consumer report several times, the law is being broken by Equifax & it is negatively impacting my credit score. These discrepancies relate to my accounts having many errors on consumer report, it shows multiple errors in reporting which contradict the information currently being reported.

Equifax is clearly breaking laws & reporting Inaccurate information on my Consumer Report. 

XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX. Incorrect Account XXXX and XXXX : The account is reported as " XXXX XXXX '' with an outstanding balance of {$9900.00}. I have made payments that are not accurately reflected in this amount. The charge-off status should also be reviewed, as payments were made that could affect this status.

2. Inaccurate Payment History : The payment history section of my report incorrectly shows progressive delinquencies for the year XXXX, marking the account XXXX, XXXX, XXXX, and XXXX  days past due. There are no XXXX or XXXX  day past due in XXXX. So how are their late payments being reported progressing through XXXX, XXXX, XXXX, to XXXX  days past due in XXXX. Equifax records show different information regarding payment timings and amounts, showing these entries are incorrect.

3. Date of First Delinquency : The reported date of first delinquency as XX/XX/XXXX, does not accurately reflect the actual history of account payments. This date impacts on the length of time the account is reported on my credit report and should be corrected to represent the accurate timeline of events. 
4. Resolution of Previously Disputed Information : The account was previously disputed, and this dispute was reportedly resolved by the data furnisher. However, the resolution has not been accurately reflected in the reporting, continuing to affect my credit adversely. 


XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX. Incorrect Account Status : The account is inaccurately reported as " XXXX XXXX '' despite my payments made up to XX/XX/XXXX. This account should not be listed with a charge-off status as there have been payments made that are not accurately reflected in the consumer report.

2. Inaccurate Reporting of Payment History : The payment history section inaccurately reports late payments progressing through XXXX, XXXX, XXXX, to XXXX  days past due in XXXX. There are no XXXX or XXXX  day past due in XXXX. So how are their late payments being reported progressing through XXXX, XXXX, XXXX, to XXXX days past due in XXXX. This does not accurately reflect the actual payment status Equifax have records for Consumer Report.

3. Date of First Delinquency : The report states the date of first delinquency as XX/XX/XXXX, which is not consistent with my payment records indicating that the account was brought current before this date.

4. Resolution of Previously Disputed Information : The account was previously in dispute and was resolved by the data furnisher. However, the current report does not reflect the resolution appropriately and continues to show erroneous data. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Inaccurate Payment History : The credit report dated XX/XX/XXXX, shows incorrect progression of payment delinquencies leading to a charge-off status in XXXX. My records show different payment details, which I have attached for your review. 
2. Incorrect Charge-Off Reporting : The report states a charge-off amount of {$410.00} ; however, this does not accurately reflect payments made prior to the account closing. This needs to be corrected to show the actual final balance. 
3. Date of First Delinquency : The reported date of first delinquency ( XX/XX/XXXX ) does not match my payment records. This date is critical as it affects the length of time the negative information remains on my consumer report. 
4. Negative Available Credit Reporting : The report indicates a negative available credit, which seems to be a clerical error. Please correct this to reflect the actual available credit at the time of account closure. 


HARD INQURIES 1. Are on Consumer Report without my Consent REMOVE THESE ACCOUNTS AT FAULT

Company response to consumer: Closed with explanation