Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed and late payments reported on this account. Please provide detailed statements and records of all payments made and missed since the account was opened. I do not agree with the results of your investigation. Therefore, I request that you mail me documentation supporting your investigation and evidence of the negative payment status for this account. If you can not provide this proof, I ask that you remove the negative information from my account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed and late payments reported on this account. Please provide detailed statements and records of all payments made and missed since the account was opened. I do not agree with the results of your investigation. Therefore, I request that you mail me documentation supporting your investigation and evidence of the negative payment status for this account. If you can not provide this proof, I ask that you remove the negative information from my account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX  Account Number : XXXX Balance : {$0.00} Reason : Due to the XXXX pandemic, I experienced unforeseen financial hardship caused by job loss, reduced work hours, and medical expenses. These circumstances made it difficult to keep up with my payments on time. I was unable to secure timely assistance despite efforts to communicate with creditors. I request a review of my account and consideration for adjustments or removal of late payment records, as the missed payments were directly related to the pandemic 's impact on my income and financial stability. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : I have never entered into any contract with this debt collector for any debt. I request proof from the original creditor confirming that this debt collector owns the debt and has the legal authority to collect it. If such proof can not be provided, I request that this account be deleted. Additionally, I do not agree with the results of your investigation. Please mail me detailed documentation of your investigation, including proof that this debt collector has the legal right to collect this debt, or delete this account immediately. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Balance : {$690.00} Reason : I have never entered into any contract with this debt collector for any debt. I request proof from the original creditor confirming that this debt collector owns the debt and has the legal authority to collect it. If such proof can not be provided, I request that this account be deleted. Additionally, I do not agree with the results of your investigation. Please mail me detailed documentation of your investigation, including proof that this debt collector has the legal right to collect this debt, or delete this account immediately. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX Account Number : XXXX Balance : {$600.00} Reason : I have never entered into any contract with this debt collector for any debt. I request proof from the original creditor confirming that this debt collector owns the debt and has the legal authority to collect it. If such proof can not be provided, I request that this account be deleted. Additionally, I do not agree with the results of your investigation. Please mail me detailed documentation of your investigation, including proof that this debt collector has the legal right to collect this debt, or delete this account immediately. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I request verification and documentation proving the charge-off status and the accuracy of the reported balance. If you can not provide sufficient proof, I ask that you update the balance to {$0.00} or remove the negative payment status from this account. Additionally, I do not agree with the results of your investigation. Please mail me detailed documentation supporting your investigation and proof of the negative payment status for this account. If such proof can not be provided, I request that you delete the negative information from this account. 

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Reason : Due to the XXXX pandemic, I experienced unforeseen financial hardship caused by job loss, reduced work hours, and medical expenses. These circumstances made it difficult to keep up with my payments on time. I was unable to secure timely assistance despite efforts to communicate with creditors. I request a review of my account and consideration for adjustments or removal of late payment records, as the missed payments were directly related to the pandemic 's impact on my income and financial stability. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Due to the XXXX pandemic, I experienced unforeseen financial hardship caused by job loss, reduced work hours, and medical expenses. These circumstances made it difficult to keep up with my payments on time. I was unable to secure timely assistance despite efforts to communicate with creditors. I request a review of my account and consideration for adjustments or removal of late payment records, as the missed payments were directly related to the pandemic 's impact on my income and financial stability. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I request verification and documentation proving the charge-off status and the accuracy of the reported balance. If you can not provide sufficient proof, I ask that you update the balance to {$0.00} or remove the negative payment status from this account. Additionally, I do not agree with the results of your investigation. Please mail me detailed documentation supporting your investigation and proof of the negative payment status for this account. If such proof can not be provided, I request that you delete the negative information from this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I request verification and documentation proving the charge-off status and the accuracy of the reported balance. If you can not provide sufficient proof, I ask that you update the balance to {$0.00} or remove the negative payment status from this account. Additionally, I do not agree with the results of your investigation. Please mail me detailed documentation supporting your investigation and proof of the negative payment status for this account. If such proof can not be provided, I request that you delete the negative information from this account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Due to the XXXX pandemic, I experienced unforeseen financial hardship caused by job loss, reduced work hours, and medical expenses. These circumstances made it difficult to keep up with my payments on time. I was unable to secure timely assistance despite efforts to communicate with creditors. I request a review of my account and consideration for adjustments or removal of late payment records, as the missed payments were directly related to the pandemic 's impact on my income and financial stability. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : I have never entered into any contract with this debt collector for any debt. I request proof from the original creditor confirming that this debt collector owns the debt and has the legal authority to collect it. If such proof can not be provided, I request that this account be deleted. Additionally, I do not agree with the results of your investigation. Please mail me detailed documentation of your investigation, including proof that this debt collector has the legal right to collect this debt, or delete this account immediately. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I have never entered into any contract with this debt collector for any debt. I request proof from the original creditor confirming that this debt collector owns the debt and has the legal authority to collect it. If such proof can not be provided, I request that this account be deleted. Additionally, I do not agree with the results of your investigation. Please mail me detailed documentation of your investigation, including proof that this debt collector has the legal right to collect this debt, or delete this account immediately. 

INQUIRIES : XXXX XXXX XX/XX/scrub>XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> EQUIFAX XXXX XXXX XXXX XXXX  XX/XX/year> I am disputing these items as they are either inaccurately reported or have already been resolved. I request a thorough investigation and correction of these errors. Despite previously contacting both the credit reporting agency and the data furnisher, the issue remains unresolved. I have attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and support my claim. I ask that you promptly investigate this matter and update my credit report to reflect accurate information.

Company response to consumer: Closed with non-monetary relief