Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX XXXX XXXX  XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 

XXXX XXXX XXXX  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$490.00}. 
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 

XXXXXXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$5700.00}. 


I previously disputed this account stating : ''This account is incorrectly reporting negative payment history on my credit report. Because I am only an authorized user on this account, I am not responsible for the balance incurred by the primary cardholder nor am I responsible for any missed payments on this account. ''. I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX  Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. 
I previously disputed this account stating : ''This account is incorrectly reporting negative payment history on my credit report. Because I am only an authorized user on this account, I am not responsible for the balance incurred by the primary cardholder nor am I responsible for any missed payments on this account. ''. I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXXXXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$51000.00}. 
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief