Consumer complaint received 2024-10-21 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: TN

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 : 1. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 
Creditor Type : Inaccurate Date of Last Activity : Inaccurate Close Date : Inaccurate 2. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

3. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

4. Account Name : XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 
5. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 
Last Verified : Inaccurate Date of Last Activity : Inaccurate Close Date : Inaccurate 6. Account Name : XXXX  XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

7. Account Name : XXXX  Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

8. Account Name : XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

9. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 
Creditor Type : Inaccurate Date of Last Activity : Inaccurate Close Date : Inaccurate 10. Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 
11. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 
12. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 
1. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 
12. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

3. Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

4. Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

5. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

6. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 
Last Verified : Inaccurate Date of Last Activity : Inaccurate Close Date : Inaccurate 7. Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

8. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 
Date Reported : Inaccurate Date of Last Activity : Inaccurate Close Date : Inaccurate 9. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

10. Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

11. Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 
Creditor Type : Inaccurate Date of Last Activity : Inaccurate Close Date : Inaccurate 12. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

13. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

14. Account Name : XXXX XXXX I Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

1. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my Equifax account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

2. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my Equifax account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

3. Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my Equifax account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

4. Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my Equifax account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 
5. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my Equifax account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

6. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my Equifax account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 
Last Verified : Inaccurate Date of Last Activity : Inaccurate Close Date : Inaccurate 7. Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my Equifax account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

8. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my Equifax account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 


9. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my Equifax account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

10. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my Equifax account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 
Creditor Type : Inaccurate Date of Last Activity : Inaccurate Close Date : Inaccurate 11. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my Equifax account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

12. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my Equifax account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

13. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it only appears on my Equifax account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

These items are either reported inaccurately or have already been resolved, and I request a thorough investigation and correction. I have contacted both the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.

Company response to consumer: Closed with non-monetary relief