Consumer complaint received 2024-01-15 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: AZ

Complaint narrative:
I am writing to express my deep frustration and dissatisfaction with the several unsuccessful attempts to correct late open accounts, remove late closed accounts, public record.account included in Bankruptcy and charge-offs on my credit report. Despite my persistent efforts and compliance with the dispute resolution process, these inaccuracies persist, causing significant distress and adversely impacting my financial standing. I have diligently followed the established dispute resolution process, submitting dispute letters, providing supporting documentation, and engaging in communication with your representatives. Despite these efforts, the inaccuracies persist, significantly impacting my creditworthiness and creating obstacles in securing credit and favorable interest rates. I request an immediate and thorough investigation into these matters to rectify the inaccuracies on my credit report. I expect a detailed response withinthe exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and correct the late open accounts, remove the late closed accounts, Accounts Included in Bankruptcy, Public Record and the charge-offs. Should this matter not be resolved promptly, I may be compelled to escalate my complaint to regulatory authorities and seek legal counsel to protect my rights. I am asking for your assistance to correct these late open accounts and remove the late closed accounts, public record.account included in Bankruptcy and charge-offs in my credit file : XXXX XXXX Balance : {$0.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 

XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

XXXX XXXX XXXX Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXX : {$700.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX XXXX XXXX {$530.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it. 

XXXX XXXX Bankruptcy XXXX XXXX XX/XX/2018 - I did not file a XXXX XXXX  bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly.

Company response to consumer: Closed with non-monetary relief