Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax, XXXX, and XXXX due to serious errors, inconsistencies, and violations of the Fair Credit Reporting Act ( FCRA ) regarding several accounts reported on my credit reports. These accounts include XXXX XXXX, XXXX XXXX, XXXX Funding, XXXX XXXX, and XXXX XXXX XXXX. 
These errors have caused significant harm to my creditworthiness, and I seek immediate resolution, including the removal of these accounts due to unverifiable and inaccurate information. I am also requesting that the credit bureaus correct their records to ensure full compliance with FCRA. 

Detailed Account Issues and Supporting Evidence : 1. XXXX XXXX XXXX  ( XXXX ) Errors and Inconsistencies : o Missing Payment History : XXXX explicitly states No payment history available to display, making the charge-off status unverifiable. 
o Missing Date of First Delinquency ( DOFD ) : The XXXX is not provided, violating FCRA requirements. 
o XXXX XXXX : The status was updated to Charged off as bad debt in XX/XX/XXXX, but there is no supporting payment history to substantiate this claim. 
FCRA Violations : o FCRA 1681e ( b ) : Duty to Maintain Accuracy : Missing payment history, missing DOFD, and unsupported charge-off status violate accuracy standards. 
o FCRA 611 ( a ) : Right to Dispute : The absence of DOFD and missing payment history renders the account unverifiable. 
o FCRA 605 ( a ) : Reporting Period : Without DOFD, it is impossible to confirm compliance with the seven-year reporting limit. 
________________________________________ 2. XXXX XXXX  ( Equifax, XXXX, XXXX ) Errors and Inconsistencies : o Open vs. Closed Status : Equifax : Reports the account as open. 
XXXX and XXXX : Report the account as closed. 
This discrepancy directly violates FCRA 1681e ( b ), as it reflects inaccurate and conflicting reporting.

o Account Type : XXXX : " Secured Card. '' XXXX and Equifax : " Revolving Account. '' o Highest Balance : XXXX and XXXX : {$2100.00}. 
Equifax : {$370.00} ( major discrepancy ). 
o Last Payment Date : XXXX and XXXX : XX/XX/XXXX. 
Equifax : XX/XX/XXXX. 
o Payment History : XXXX lacks any payment history. 
XXXX and Equifax show incomplete late payment progression leading to charge-off. 
o Charge-Off Status Updates : XXXX : Updated XX/XX/XXXX. 
XXXX : Updated XX/XX/XXXX. 
Equifax : Updated XX/XX/XXXX. 
FCRA Violations : o FCRA 1681e ( b ) : Duty to Maintain Accuracy : Open vs. closed status discrepancy and inconsistent reporting of account type, balance, and payment history. 
o FCRA 611 ( a ) : Right to Dispute : Missing DOFD and unverifiable payment history make the account unverifiable.

o FCRA 605 ( a ) : Reporting Period : Absence of DOFD prevents verification of compliance with the seven-year reporting period.

________________________________________ 3. XXXX XXXX, XXXX ( Equifax, XXXX ) Errors and Inconsistencies : o Open vs. Closed Status : Equifax : Reports the account as open. 
XXXX : XXXX the account as closed. 
This discrepancy violates FCRA 1681e ( b ), as it creates conflicting and inaccurate reporting.

o Account Type : XXXX : " Charge Card. '' Equifax : " Revolving. '' o Credit Limit : XXXX : {$60.00}. 
Equifax : {$750.00}. 
o Past Due Amount : XXXX : {$35.00}. 
Equifax : {$40.00}. 
o Charge-Off Status Updates : XXXX : Updated XX/XX/XXXX. 
Equifax : Updated XX/XX/XXXX. 
o Payment History : XXXX provides partial payment history but omits critical details for prior years. 
Equifax lacks detailed payment progression. 
FCRA Violations : o FCRA 1681e ( b ) : Duty to Maintain Accuracy : Open vs. closed status discrepancy and conflicting reporting of account type, balance, and payment history.

o FCRA 611 ( a ) : Right to Dispute : Missing DOFD and incomplete payment history make the account unverifiable.

o FCRA 605 ( a ) : Reporting Period : Without DOFD, it is impossible to confirm compliance with the seven-year reporting limit. 

________________________________________ 4. XXXX XXXX XXXX ( XXXX ) Errors and Inconsistencies : o Account Type : Debt Buyer, which lacks clarity. 
o Balance and Past Due Amount : Both reported as {$620.00} without supporting payment activity.

o Payment History : C ( Collection ) status from XXXX to XXXX without details of delinquency progression. 
o Status Update : XX/XX/XXXX, with no explanation for the extended collection period. 
o Creditor Information : Original creditor is listed as XXXX XXXX XXXX  XXXX, but no further details on the debt transfer. 
FCRA Violations : o FCRA 1681e ( b ) : Duty to Maintain Accuracy : Missing payment history, missing DOFD, and conflicting details violate accuracy standards. 
o FCRA 611 ( a ) : Right to Dispute : Missing DOFD and incomplete payment history render the account unverifiable.

o FCRA 605 ( a ) : Reporting Period : Without DOFD, it is impossible to verify compliance with the seven-year reporting period.

________________________________________ 5. XXXX ( XXXX ) Errors and Inconsistencies : o Account Type : Listed as Credit Card, but lacks repayment terms. 
o Highest Balance : {$470.00} vs. current balance of {$300.00}, with no reconciliation.

o Status : Transferred, closed and Charge-Off without explanation.

o Payment History : Limited to a single charge-off ( XX/XX/XXXX ), with no delinquency details. 
o Creditor Details : Listed as Purchased by another lender, but no new creditor is identified.

FCRA Violations : o FCRA 1681e ( b ) : Duty to Maintain Accuracy : Missing account details and inconsistent reporting violate accuracy standards.

o FCRA 611 ( a ) : Right to Dispute : Missing DOFD and payment history render the account unverifiable.

o FCRA 605 ( a ) : Reporting Period : Absence of DOFD prevents confirmation of compliance with the seven-year reporting period.

________________________________________ 6. XXXX XXXX XXXX, XXXX ) Errors and Inconsistencies : o Account Type : Charge Card ( XXXX ) vs. Revolving Account ( XXXX ). 
o XXXX XXXX : XXXX lacks payment history ; XXXX shows incomplete history. 
o Status : XXXX lists Closed, {$420.00} written off ( XX/XX/XXXX ), while XXXX states Charged off as bad debt. 
o Creditor Information : Address discrepanciesExperian lists XXXX XXXX, MN, while XXXX lists XXXX XXXX, MN. 
FCRA Violations : o FCRA 1681e ( b ) : Duty to Maintain Accuracy : Missing DOFD and payment history violate accuracy standards.

o FCRA 611 ( a ) : Right to Dispute : Incomplete history and unresolved charge-off details render the account unverifiable.

o FCRA 605 ( a ) : Reporting Period : Lack of DOFD prevents verification of compliance with the seven-year reporting period.

________________________________________ Supporting Evidence : Screenshots from Equifax ( XXXX ) : Demonstrate that XXXX XXXX, XXXX and XXXX  were removed from my Equifax report. 
Credit Reports : Highlight inconsistencies and missing data across bureaus for all disputed accounts.

Company response to consumer: Closed with explanation