Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing the following accounts below : XXXX XXXX XXXX Account # XXXX ( It shows an inaccuracy reporting from XXXX XXXX XX/XX/XXXX of blank reporting dates as well as reporting 30-150 days and shows inaccuracy reporting late payments, status of payment, highest balance shows {$310.00} and {$170.00} and must only report one balance, last payment date is inaccurate which shows one date for XX/XX/XXXX and another date XX/XX/XXXX which are all inaccuracies across all 3 credit bureaus of XXXX, Equifax and XXXX and according to the FCRA it must show all consistency across all 3 bureaus ) Due to all of these inaccuracies, this account is demanded for deletion immediately. 
XXXX XXXX XXXX Account # XXXX ( It shows an inaccuracy reporting from XXXX XXXX XXXX of missing reporting dates as well the dates are not matching reporting across all 3 credit bureaus and shows inaccuracy reporting late payments, it shows an inaccuracy of different past due amounts which shows one for {$78.00} and one for {$110.00} which must only show one past due amount across all 3 credit bureaus, it shows 2 different past due balances which shows one for {$520.00} and one for {$540.00} and it must show one balance across all 3 credit bureaus, it shows 2 different balances of {$39.00} and one for {$37.00} which is another inaccuracy and according to the FCRA it must show all consistency across all 3 bureaus ) Due to all of these inaccuracies, this account is demanded for deletion immediately. 
XXXX XXXX XXXX Account # XXXX ( It shows an inaccuracy reporting of different balances of {$1400.00} and another one for {$1500.00} which is an inaccuracy, It shows an inaccuracy reporting from missing dates from XXXX XXXX XXXX, it shows 2 different past due amounts of {$76.00} and one for {$170.00}, monthly payments shows one for {$100.00} and one for {$100.00} which is another inaccuracy and the balances do not match which are all inaccuracies across all 3 credit bureaus of XXXX, Equifax and XXXX and according to the FCRA it must show all consistency across all 3 bureaus ) Due to all of these inaccuracies, this account is demanded for deletion immediately. 
XXXXXXXX XXXX Account # XXXX ( It shows an inaccuracy of dates not matching, It shows an inaccuracy reporting from XXXX XXXX XXXX and even shows no reporting dates for Equifax which is a big violation, It shows two different balances of {$810.00} and one for {$820.00} which is another inaccuracy, the monthly payment amounts are missing which are all inaccuracies across all 3 credit bureaus of XXXX, Equifax and XXXX and according to the FCRA it must show all consistency across all 3 bureaus ) Due to all of these inaccuracies, this account is demanded for deletion immediately. 
XXXX XXXX XXXX XXXX Account # XXXX ( The dates reporting are showing two different dates which are XX/XX/XXXX and one for XX/XX/XXXX and dates must show the same reporting dates across all 3 credit bureaus, the date of last activity are not matching and also missing, the dates of last delinquency is not matching as well as the past due amounts show {$200.00} and {$120.00} which are all inaccuracies across all 3 credit bureaus of XXXX, Equifax and XXXX and according to the FCRA it must show all consistency across all XXXX bureaus ) Due to all of these inaccuracies, this account is demanded for deletion immediately. 
XXXX XXXX XXXX XXXX Account XXXX XXXX  ( The dates reporting are showing one for XX/XX/XXXX and XXXX for XX/XX/XXXX, if the account is showing it has a {$0.00} why does it show inaccuracy of reporting late payments 120 which are all inaccuracies across all 3 credit bureaus of XXXX, Equifax and XXXX and according to the FCRA it must show all consistency across all 3 bureaus ) Due to all of these inaccuracies, this account is demanded for deletion immediately. 
XXXX XXXX XXXX XXXX Account # XXXX ( The dates reporting are showing Collections but revert back to 30, 60, 90 which is a violation of inconsistency and inaccuracy of reporting which is a major violation and also missing dates of reporting across all 3 credit bureaus, monthly payments are missing, scheduled payment amount is missing which are all inaccuracies across all XXXX credit bureaus of XXXX, Equifax and XXXX and according to the FCRA it must show all consistency across all XXXX bureaus ) Due to all of these inaccuracies, this account is demanded for deletion immediately. 
XXXX XXXX XXXX XXXXXXXX Account # XXXX ( It shows an inaccuracy reporting of all dates and shows inaccuracy reporting late payments, status of payment, highest balance are inaccurate and must only report one balance, last payment date is inaccurate which are all inaccuracies across all 3 credit bureaus of XXXX, Equifax and XXXX and according to the FCRA it must show all consistency across all XXXX bureaus ) Due to all of these inaccuracies, this account is demanded for deletion immediately. 
XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX ( It shows an inaccuracy reporting of all dates and shows inaccuracy reporting late payments, status of payment, highest balance are inaccurate and must only report one balance, last payment date is inaccurate which are all inaccuracies across all 3 credit bureaus of XXXX, Equifax and XXXX and according to the FCRA it must show all consistency across all XXXX bureaus ) Due to all of these inaccuracies, this account is demanded for deletion immediately. 
XXXX XXXX XXXX XXXXXXXX Account # XXXX ( It shows an inaccuracy reporting of all dates and shows inaccuracy reporting late payments, status of payment, highest balance are inaccurate and must only report XXXX balance, last payment date is inaccurate which are all inaccuracies across all XXXX credit bureaus of XXXX, Equifax and XXXX and according to the FCRA it must show all consistency across all XXXX bureaus ) Due to all of these inaccuracies, this account is demanded for deletion immediately. 

All of these accounts remain unmarked as disputed after XXXX rounds of disputes with your agency. This indicates a failure to notify the creditors and lack of a proper investigation on your part, both of which violate the Fair Credit Reporting Act ( FCRA ). Any charged-off accounts should not have an active payment history. All of these inaccurate reportings I have listed above falsely manipulates the statute of limitations which is immediate grounds for a lawsuit against your agency. Given these discrepancies, it is clear that the account information is not 100 % accurate which deems it INACCURATE under the Fair Credit Reporting Act. Your agency has also failed to properly investigate the above accounts after I requested which has violated my consumer rights. What documentation did you provide me with my legible ink signature that proves these accounts are legally mine and in writing? I am fully demanding for the last time the immediate deletion of all accounts above from my credit report and request written confirmation of the deletions.

Company response to consumer: Closed with non-monetary relief