Consumer complaint received 2025-01-21 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: NC

Complaint narrative:
Dear Equifax Dispute Department, I am writing to formally dispute inaccurate and/or incomplete information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies like Equifax are required to ensure the maximum possible accuracy of the information they report. Additionally, the Consumer Financial Protection Bureau ( CFPB ) has emphasized your obligations to promptly and thoroughly investigate disputes. 

Equifax has recently been fined for failing to meet these obligations. This demonstrates a pattern of negligence in maintaining accurate credit reporting standards. I urge you to take this dispute seriously to avoid further regulatory issues or violations of my consumer rights. 

The following items on my credit report are inaccurate : XXXX XXXX XXXX. 
Reported : XXXX XXXX, XXXX Balance : {$6000.00} Status : Closed, Charge-off Payment Status : Charge-off, XXXX times late Remarks : Charged off account Discrepancy : Payment history shows late payments despite timely payments on my part. 
Request : Investigate and correct the payment history, and ensure the account is reported accurately. 
XXXX XXXX, XXXX Reported : XXXX XXXX, XXXX Balance : {$55.00} Status : In Good Standing Discrepancy : The account reflects timely payments but is showing an inaccurate credit limit of {$1000.00}. 
Request : Verify and correct the credit limit and ensure that all details align with the actual terms of the account. 
XXXX Reported : XXXX XXXX, XXXX Balance : {$0.00} Status : Closed Remarks : Account closed at consumer 's request Discrepancy : The status is marked as closed but should reflect a fully paid account in good standing. 
Request : Confirm the accurate reporting of account closure and payment history. 
XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Balance : {$300.00} Status : Charge-off, Closed Payment Status : Charge-off, XX/XX/XXXX times late Discrepancy : The account is reported as closed with charge-off status, but there is no clear explanation of the status change. 
Request : Provide clarification and verify the accuracy of the charge-off information and timeline. 
XXXX XXXX  Reported : XXXX XXXX, XXXX Balance : {$310.00} Status : Closed Payment Status : Charge-off, XXXX times late Discrepancy : The account status and reported balance do not accurately reflect the actual payment history. 
Request : Verify and correct the payment history and ensure the account 's status is accurately reported. 
I demand that Equifax : Conduct a complete and thorough investigation of these matters.

Correct or delete the inaccurate information immediately. 
Provide me with a copy of the updated credit report reflecting these changes. 
Please note that failure to address this dispute within the legally required 15 days will result in further action. I am fully prepared to file a complaint with the CFPB, as outlined in their guidance, should Equifax fail to comply with its responsibilities under the FCRA. 

I trust you will handle this matter promptly and professionally. Please send all correspondence to the address listed above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief