Consumer complaint received 2025-03-05 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: IL

Complaint narrative:
I am writing to dispute the following accounts that are inaccurately reported on my credit report. These discrepancies have significantly impacted my credit, and I am requesting your immediate assistance in investigating and rectifying these issues. Below are the accounts in question, with the legal clauses I am invoking to support my disputes. 

The first account I am disputing is with XXXX XXXX which has been reported as closed. I arranged a payment plan with the creditor, and we agreed that my account would remain temporarily frozen as long as I made timely payments. However, the creditor violated our agreement by closing the account. Since I honored my part of the agreement and made timely payments, this account should have remained open and in good standing. According to FCRA Section 1681e ( b ), credit reporting must be accurate, and it is incorrect for the account to be reported as closed. Additionally, under FCRA Section 1681i, I have the right to dispute any inaccuracies, and this account should not be reported as closed. I request that this account be corrected to show that it was in good standing and not reported as closed. Equifax has failed to properly investigate this matter despite my previous dispute. 

The second account is with XXXX XXXX, and I have no knowledge of this account. Additionally, this account was sold to a debt collector, and they can not verify that this debt is mine. According to FCRA Section 1681i ( a ), I have the right to dispute any information on my credit report that is inaccurate or unverifiable. Since XXXX can not provide evidence that this debt is mine, I request that this account be removed from my credit report due to its unverifiability. Equifax failed to conduct a proper investigation of this dispute, as no verification was provided. 

The third account is with XXXX XXXX XXXX, which reports late payments on my credit report. However, my account is in good standing, and I have made all payments on time. According to FCRA Section 1681c, the reporting of negative information must be accurate, and any incorrect late payments reported to the credit bureau are a violation of my rights. Additionally, I did not authorize XXXX XXXX to report any negative remarks about my account, which violates my right to consent to such reporting under Section 1681c. I request the removal of any late payment reports associated with this account, as the account is in good standing. Equifax has not properly investigated this dispute, as these inaccurate late payments remain on my report. 

The fourth account is with XXXX, and I have no knowledge of this account. It has been charged off, and I believe it is not mine. Under FCRA Section 1681i ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate. Since I have no knowledge of this account, I request that it be removed from my credit report as it is not my responsibility. Equifax failed to properly investigate and verify this accounts validity. 

The fifth account is with XXXX XXXX, originally from XXXX XXXX XXXX I paid off this account and stopped using it. Therefore, there should be no balance remaining on this account. Under FCRA Section 1681e ( b ), credit reporting must be accurate, and the balance reported is incorrect. Since the debt was paid off, I request that any remaining balance be removed from my credit report as it is no longer valid. Equifax has failed to correct this issue despite my dispute, and the incorrect balance remains on my report.

Company response to consumer: Closed with non-monetary relief