Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX. XXXX XXXX XXXX Potentially Negative OPENED : XX/XX/XXXX Balance : {$890.00} Balance updated : XX/XX/XXXX 30day late, 60day late, 90day late, 150day late Charge off debt ( illegal reporting ) 15 usc 1681i ( A ) ( 5 ) section 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ), section 623 ( a ) ( 2 ), section 623 ( e ) XXXX. XXXX XXXX XXXX Potentially Negative OPENED : XXXX XXXX, XXXX Balance : {$1200.00} Balance updated : XX/XX/XXXX XXXX. XXXX XXXX XXXX Potentially Negative OPENED : XX/XX/XXXX Balance : {$1500.00} Balance updated : XX/XX/XXXX 30day late, 60day late, 90day late, 150day late Charge off debt ( illegal reporting ) 15 usc 1681i ( A ) ( 5 ) section 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ), section 623 ( a ) ( 2 ), section 623 ( e ) XXXX. XXXX XXXX XXXX Potentially Negative Date opened : XXXX XXXX, XXXX Balance : {$310.00} Balance updated : XX/XX/XXXX 30day late, 60day late, 90day late, 150day late Charge off debt ( illegal reporting ) 15 usc 1681i ( A ) ( 5 ) section 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ), section 623 ( a ) ( 2 ), section 623 ( e ) 5. XXXX XXXX Account # XXXX XXXX Potentially Negative Balance : {$930.00} Balance updated : XX/XX/XXXX Opened : XX/XX/XXXX XX/XX/XXXX XXXX day late, XX/XX/XXXX 30 day late ( Duplicate Reporting 30 day late Violation ) XX/XX/XXXX 60  day late, XX/XX/XXXX 90  day late, XX/XX/XXXX 120 day late, XX/XX/XXXX 150 day late, XX/XX/XXXX 180 day late. ( INACCURATE INFORMATION/ INCOMPLETE/ NOT VALID ) Charge off dates are not within compliance. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX 12 Potentially Negative Balance : {$500.00} Balance updated : XX/XX/XXXX Open XX/XX/XXXX Closed Payment history is not applicable/ NOT accurate/ not valid/ Unverifiable Payment history is in violation that need to be update immediately Charge off debt ( illegal reporting ) 15 usc 1681i ( A ) ( 5 ) section 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ), section 623 ( a ) ( 2 ), section 623 ( e ) 7. XXXX XXXX XXXX XXXX XXXX  Potentially Negative Balance : {$1800.00} Balance updated : XX/XX/XXXX Opened : XX/XX/XXXX Charge off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX is a violation under 15 usc 1681i ( A ) ( 5 ). Section 623 ( a ) ( 1 ) ( c ) and ( A ) ( 1 ) ( C ). I have the right to privacy and to dispute items that are violating my rights. 

XXXX. XXXX XXXX ACCOUNT # XXXX XXXX Potentially Negative Balance : {$2100.00} Balance updated : XX/XX/XXXX I was never 180 days late.

This account is violating my creditworthiness and this company is violating 15 usc 1681i section 623 ( A ) ( 5 ).

Charge off is within question./ Why is this account reporting charge off? This account is not accurate or 100 % valid.

30 day late, 60 day late and 22 negative information reporting charges off and that is impossible. 

XXXX. XXXX ACCOUNT XXXX XXXX XXXX Potentially Negative Balance : XXXX Balance updated : XXXX DATE OPENED : XX/XX/XXXX LATE PAYMENT XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Charge off, XX/XX/XXXX charge off. 

XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX Potentially Negative Opened Date : XX/XX/XXXX XX/XX/XXXX 30day late, XX/XX/XXXX 60day late, XX/XX/XXXX COLLECTION, 6/22 CHARGE OFF VIOLATION : impossible for account to be collection and charged off.

15 usc 1692g ( 7 ) ( D ) ( K ) ( 8 ), 15 usc 1681i ( e ) ( a ) I was never late. Billing error unverifiable information/ Incomplete XXXX. XXXX XXXX XXXX ACCOUNT # XXXX Original creditorXXXX XXXX XXXX XXXX Balance XXXX XX/XX/XXXX DATE OPENED : XXXX XXXX, XXXX Debt Buyer 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief