Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
ve sent in these thru mail and email. I have also tried to reach out to these companies, they only return my calls late at night while my kids are asleep, which disturbs them terribly. I am attaching the letters I have sent to them. This has been going on a while, also All of these accounts have been handled per creditor. Also under statue 15 USC 1681 C-2. I never authorized any of the 3 to have my information for any reason as well. XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX Subject : Credit Report Dispute and Consumer Statement Dear XXXX  Dispute Department, I am writing to dispute certain information appearing on my XXXX  credit report that I believe to be inaccurate or outdated. After reviewing my report, I have identified the following accounts that require correction or removal : XXXX. XXXX XXXX  Closed account as of XX/XX/XXXX. Please verify that the reported balance and payment history are accurate. Also, per my conversation with XXXX XXXX  via telephone ( since they called all hours of the day and night ) this was to be taken off the credit report, and they were satisfied. Also, I never authorized XXXX  to have any of my information for monetization or any other purpose. XXXX. XXXX  XXXX Charged-off account from XXXX with a balance of {$300.00}. This account should no longer appear under the Fair Credit Reporting Acts seven-year limit. Please remove if still being reported. XXXX. XXXX  / XXXX XXXX Opened XX/XX/XXXX. The reported balance and credit limit appear inconsistent, resulting in an inflated utilization rate. Please verify and correct as needed. Per my conversation with XXXX XXXX this was taken care of and the creditor was satisfied. This is also a closed account. I kindly request this be removed. I have included a consumer statement that provides additional details for your review. I request that you investigate these items and provide me with an updated credit report within the 30-day timeframe allowed under the Fair Credit Reporting Act ( FCRA ). Please notify me in writing of your findings and include documentation supporting your determinations. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Credit Report Dispute and Consumer Statement Dear Equifax Dispute Department, I am writing to formally dispute inaccurate or outdated information that appears on my Equifax credit report. I have carefully reviewed my credit file and identified the following accounts that require correction or review : XXXX. XXXX XXXX  Closed as of XX/XX/XXXX. This is a clear case of identity theft, I have not ever authorized you to have my information for monetization or any other purpose. I kindly ask this be removed from my report due to my conversation with XXXX XXXX, also per statement stated above. XXXX. XXXX  XXXX Charged-off account from XXXX with a balance of {$300.00}. This account should have aged off my credit report under the Fair Credit Reporting Acts ( FCRA ) seven-year reporting period. I request its removal if it is still being reported. It should have never been added back. XXXX. XXXX / XXXX XXXX Opened XX/XX/XXXX. Please confirm the accuracy of the reported balance and credit limit, as the account appears to reflect an incorrect utilization rate. Also per my conversation with care this card was closed and the creditor was satisfied with it. I have attached a consumer statement summarizing the details of each account and my concerns regarding their accuracy. I respectfully request that you investigate these accounts and provide me with an updated credit report reflecting your findings within the 30-day period allowed under the FCRA. Please notify me in writing of the results of your investigation and provide documentation supporting your determinations. Thank you for your prompt attention to this matter. XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Subject : Credit Report Dispute and Consumer Statement Dear XXXX  Dispute Department, I am writing to dispute certain information on my XXXX  credit report that I believe to be inaccurate or outdated. Please review and verify the following accounts : XXXX. XXXX XXXX  Closed account ( XX/XX/XXXX ). Please confirm that the reported balance and payment history are accurate and up to date. XXXX. XXXX  XXXX Charged-off account from XXXX with a balance of {$300.00}. This account has exceeded the seven-year reporting period under the Fair Credit Reporting Act ( FCRA ) and should be removed. XXXX. XXXX  / XXXX XXXX Opened XX/XX/XXXX. The balance and credit limit appear incorrectly reported, showing an excessive utilization rate. Please investigate and correct as appropriate. A consumer statement is attached for additional context. I request that you investigate these accounts and update me with the results and a corrected credit report within the FCRAs 30-day investigation period. Please send written confirmation and supporting documentation once your review is complete. Thank you for your cooperation. Sincerely, XXXX XXXX I hope this was enough. I have wrote letters, this is my last resort and I hope you can help!

Company response to consumer: Closed with non-monetary relief