Consumer complaint received 2024-12-21 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: VA

Complaint narrative:
I have reached out to Equifax in regards to these XXXX account- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have the Equifax reporting number- XXXX -I have explained to them that these accounts are reporting inaccurate and are not reporting the same on neither credit bureau XXXX XXXX, XXXXXXXX XXXX, and self lender all have different late payment, different reporting date for the payments and more. I have reached out to XXXX and they confirmed they are reporting accurate but it is the credit bureaus who reports their information. My accounts with XXXX and XXXX and XXXX each had their own cfpb complaint as they verified correct but are actually wrong. I have documentation from each bureau listing different information. Equifax also did there investigation a whole back and actually verified the correct information,. These accounts need to be removed, XXXX shows a charge off for XXXX XXXXXXXX, it has actually been showing charge off for years. the credit reporting agencies overlooked that multiple times. I was recently denied due to their misleading reports. Charge off are reported once these accounts have more than one charge off.

It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negativeinformation such as a charge-off should only be reported once, corresponding to the date it was charged off. The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. Im also requesting payment for damages I have received due to the inaccurate reporting an misleading reports from these creditors. Under 15 U.S. Code 1681n - Civil liability for willful noncompliance-If any credit reporting agency or furnisher willfully fails to comply with the terms of the FCRA, it is liable to the consumer for actual damages or statutory damages between {$100.00} and {$1000.00}, punitive damages, and the consumers reasonable attorneys fees and costs.

If a furnisher or credit reporting agency negligently fails to comply with the terms of the FCRA, it is liable to the consumer for actual damages and the consumers reasonable gattorneys fees and costs.

Below I will attach the supporting documents showing there information is reporting different on all three credit bureaus. an also will show how the charge off should report under fcra. I request these accounts to be removed as the creditor failed to comply with fcra laws a verified and confirmed they are reporting accurate when they are not.

I have dispute with each creditor individually with cfpb and they airfield they were reporting information an its still wrong as I provided the information below. These accounts need to be removed if not removed can pay for the damagers for non compliance. You guys have modified messed up my credit score and more each time you all willingly knowing put wrong information on my report. this needs to be removed before I take further legal action an report to other government for complaints on violating fcra laws for the consumers Below will list each bureaus and how those account report different information and wrong information.

Company response to consumer: Closed with non-monetary relief