Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am filing a formal complaint against Equifax for failing to properly investigate and correct inaccurate information on my credit report. Despite submitting disputes with supporting documentation, Equifax has either verified incorrect data or failed to update my report accordingly. These inaccuracies are negatively impacting my credit standing, and Equifax 's failure to take corrective action is a violation of the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed items that remain unresolved : Collection Account XXXX XXXX XXXX XXXX. 

Account Number : * Original Creditor : XXXX XXXX XXXX Issue : Incorrect balance reported as {$990.00} instead of the correct amount of {$790.00}. 

Status Date Discrepancy : Conflicting last payment and delinquency dates. 

Dispute Results ( XX/XX/XXXX ) : Verified as reported. 

Correction Status : Not corrected. 

Requested Action : Remove from report if verification can not be provided. 

XXXX XXXX XXXX Account Number : Issue : Unverified debt Requested Action : Remove from report. 

XXXX XXXX XXXX Account XXXX : Issue : Debt validation requested, but no proof provided. 

Requested Action : Delete if unverifiable. 

XXXX XXXX XXXX Account XXXX : Issue : Incorrect reporting of disputed debt. Dispute letter was sent, but no response verifying debt. 

Requested Action : Investigate and remove. 

Late Payment Discrepancies XXXX XXXX XXXX  XXXX Reported late in XX/XX/XXXX, but timely payments were made. 

XXXX XXXX Bank XXXX XXXX Multiple late payments reported, but proof of on-time payments was sent to Equifax and XXXX XXXX 

Requested Action : Remove late payments as a goodwill adjustment or correct inaccurate reporting. 

Charge-Off Accounts Request for Removal or Update *XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; needs update to " Paid in Full ''. 

*Fingerhut : Un-verfied, Re-sold to a collection agency but still being reported. This is a duplicated account that was previously on my credit report and was in good standing and paid in full and on-time. 

Requested Action : Update charge-off accounts to " Paid in Full '' or remove duplicate reporting. 

Multiple Incorrect Address Listings and phone numbers Issue : Former addresses that do not belong to me remain on file. 

Impact : These inaccuracies may contribute to fraudulent accounts re-appearing on my report. 

Requested Action : Remove inaccurate addresses from my credit report. 

Accounts with Conflicting Payment Histories Issue : Several accounts reflect inconsistent payment histories across different reporting dates. 

Impact : Late payments reported in months where payments were confirmed as on time. 

Requested Action : Investigate and correct inconsistencies. 

Inaccurate Account Status on Several Credit Lines Issue : Accounts reported as " Closed '' when they remain open, and accounts reported as " Open '' when they were closed by the creditor. 

Requested Action : Correct the account status to accurately reflect their standing. 

Despite multiple attempts to rectify these errors, Equifax continues to verify incorrect information without properly investigating the disputes or providing investigative methods used. Under the FCRA, Equifax is required to conduct a thorough investigation and ensure the accuracy of the information they report. Their failure to comply with these obligations is damaging to my financial well-being.

Company response to consumer: Closed with non-monetary relief