Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
To whom it May concern : I am writing to you under my rights granted by the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information on my credit report. After reviewing my report, I have identified errors that require immediate correction. 
Incorrect Account Balance : Account name : XXXX Account number : XXXX XXXX XXXX XXXX  XXXX Dispute Reason : The account is reporting an incorrect balance. According to my records, the correct balance should be XXXX, but my report shows {$4100.00}. I request that you verify this information with the creditor and correct the balance reflected on my credit report. 

Incorrect Account Balance : Account name : XXXX  XXXX XXXX Account number : # # # # XXXX Dispute Reason : The account is reporting an incorrect balance. According to my records, the correct balance should be XXXX, but my report shows {$9000.00}. I request that you verify this information with the creditor and correct the balance reflected on my credit report. 

Incorrect Account Balance : Account name : XXXX Account number : XXXX XXXX XXXX XXXX  XXXX Dispute Reason : The account is reporting an incorrect balance. According to my records, the correct balance should be XXXX, but my report shows {$5200.00}. I request that you verify this information with the creditor and correct the balance reflected on my credit report. 

Incorrect Account Balance : Account name : XXXX  XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Dispute Reason : The account is reporting an incorrect balance. According to my records, the correct balance should be XXXX, but my report shows {$1400.00}. I request that you verify this information with the creditor and correct the balance reflected on my credit report. 

Incorrect Account Balance and Duplicate Account name : XXXX Account number : # # # # XXXX Dispute Reason : The account is reporting an incorrect balance. According to my records, the correct balance should be XXXX, but my report shows {$610.00}. I request that you verify this information with the creditor and correct the balance reflected on my credit report. 
Duplicate Account : I have noticed that the account is being reported twice on my credit report. This is an error as the balance on this account is XXXX, and it should not be reported multiple times. According to the FCRA, I request that the duplicate account be removed immediately from my report. 
Attached is a letter from XXXX XXXX indicating the error on my credit report. 
XXXX. Unauthorized Inquiries : I have also identified several inquiries on my credit report that I did not authorize. These include : XXXX Rocket Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX Under FCRA, 15 U.S.C. 1681b, credit bureaus are only allowed to include inquiries with my express authorization. Since I did not provide consent for these inquiries, I request that they be removed from my credit file immediately. 
I am attaching copies of documents supporting my claim. I kindly ask that you investigate these errors and provide me with a written response regarding the resolution of this dispute within the 30-day period stipulated by the FCRA. 

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-oscar, or any other means of automated verification. 

Your immediate attention to this matter is greatly appreciated. Please send me a copy of my updated credit report as soon as your investigation is complete. 

Please send me a copy of my complete credit report to my residential address as indicated by the Fair Credit Reporting Act. 


I appreciate your prompt attention to this matter. I look forward to your response and any updates on the correction of my report. 
Sincerely,

Company response to consumer: Closed with non-monetary relief