Consumer complaint received 2024-02-26 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: GA

Complaint narrative:
I am writing to express my urgent concerns regarding two critical issues with my account : the delayed opening of my account and the presence of a charge-off account that has been erroneously reported. These issues have not only caused significant inconvenience but have also adversely affected my financial standing. 

Firstly, regarding the delayed opening of my account, I initiated the process and provided all necessary documentation promptly. However, despite assurances of a swift response, there has been an unacceptable delay in processing my account. This delay has hindered my ability to engage in financial transactions and has left me feeling frustrated and disappointed. 

Secondly, I was dismayed to discover that a charge-off account has been reported on my credit history. This account is inaccurate and unjust, as I have no record of such an account. The presence of this erroneous entry has had a detrimental impact on my credit score and financial reputation. 

I urgently request that you take immediate action to address both of these issues : Expedite the processing of my account opening without further delay. I expect prompt resolution and timely communication regarding the status of my account. 

Remove the inaccurate charge-off account from my credit history. This erroneous entry must be rectified swiftly to prevent further damage to my credit score and financial well-being. 

I trust that you understand the urgency of these matters and will prioritize their resolution accordingly. Failure to address these issues promptly may compel me to explore alternative options, including legal recourse. I am asking for your assisstance to remove or correct these accounts in my credit file : 1. XXXX XXXX XXXX Balance : {$1500.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$36000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} - 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 : {$7900.00} - 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 XXXX XXXX XXXXBalance : {$0.00} - 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.

Company response to consumer: Closed with non-monetary relief