Consumer complaint received 2024-01-31 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: MO

Complaint narrative:
I trust this letter finds you well. I am writing to bring to your attention the ongoing and distressing issue of multiple unsuccessful attempts to remove the late close and charge-off entries from my credit report. 

I identified discrepancies on my credit report related to the late close and charge-off entries, which significantly impact my creditworthiness and financial standing. Despite my diligent efforts to rectify these inaccuracies through your dispute resolution process, I am dismayed to report that the issues persist after several attempts. 

I have followed the prescribed procedures for disputing inaccurate information on my credit report, providing all necessary documentation and information to support my claims. However, the lack of resolution has not only caused undue stress but also raised serious concerns about the effectiveness of the dispute resolution process. 

I urge your organization to conduct an immediate and thorough investigation into the reasons for the repeated failure to rectify these entries on my credit report. It is essential that corrective actions are taken promptly to ensure the accurate representation of my credit history. 

The presence of these inaccuracies is affecting my ability to secure financial opportunities and poses a threat to my overall financial well-being. I request transparent communication on the steps being taken to address this issue and prevent any recurrence in the future. 

Failure to address these concerns promptly may compel me to escalate this matter to regulatory authorities. I trust that your organization is committed to upholding the accuracy and integrity of credit reporting and will take immediate action to resolve this matter. I am asking for your assistance to remove this charge off account in my credit file : I am asking for your assistance to remove these charge off and late closed accounts in my credit file : XXXX XXXX Balance Owed : {$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 XXXX : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$750.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why an {$750.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. 

XXXX XXXX XXXX XXXX : {$140.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX XXXXXXXX Balance Owed : {$400.00} - 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 XXXXXXXX Balance Owed : {$1400.00} - 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 XXXX : {$470.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly. 

XXXX XXXX XXXX XXXX : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy.

Company response to consumer: Closed with non-monetary relief