Consumer complaint received 2025-01-19 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on Credit Report Request for Investigation Dear Sir/Madam , I am writing to formally dispute the accuracy of information reported on my Equifax credit report concerning the account referenced below. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I request that you investigate the following inaccuracies and provide me with the results of your investigation within the 30-day period allowed by law.

Account Information : Account Name : XXXX Account Number : XXXX XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Account charged off, {$120.00} written off Balance : {$120.00} Date of Last Activity : XX/XX/XXXX Status Updated : XX/XX/XXXX On Record Until : XX/XX/XXXX Credit Limit : {$100.00} Highest Balance : {$210.00} Disputed Errors and Issues : Inconsistent Charge-Off Reporting : The account is reported as a charge-off as of XX/XX/XXXX ; however, the payment and balance history show discrepancies across several months. For instance, it lists the account as past due by {$120.00} as of XX/XX/XXXX, despite the charge-off being recorded in XXXX. Please investigate and correct these inconsistencies. 
Incorrect Payment History and Balance Entries : The payment history shows a payment of {$10.00} in both XXXX and XX/XX/XXXX, but the balance consistently reflects {$120.00} throughout these months. Furthermore, no payment details have been provided for XXXX and XX/XX/XXXX, even though this is a significant discrepancy. Please review and reconcile the payment history and balance data. 
Missing Data for Certain Months ( ND ) : There are periods with missing data ( ND ), such as XX/XX/XXXX and XX/XX/XXXX. These months should show the correct account status and balance. Please clarify and correct the absence of data during these months.

Discrepancies in Delinquency Reporting : The account is shown as 90 days past due in various months, including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, there is no clear explanation or consistency in how these delinquencies were reported. I request a thorough review and correction of any errors related to the payment status during these months. 
Incorrect Balance History : The balance history shows amounts of {$130.00} in both XXXX and XX/XX/XXXX, which do not align with any actual payments or other transactions. Please investigate the balance and ensure it accurately reflects payments and account status.

Legal Basis for Dispute : Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, you are required to conduct a reasonable investigation of the disputed information and correct or delete any entries found to be inaccurate or incomplete. Additionally, under 15 U.S.C. 1681e ( b ), you are obligated to ensure the accuracy of the information reported on consumer credit reports. 

I kindly request that you initiate an investigation into these discrepancies, correct the inaccurate information, and send me a copy of the updated report once the investigation is completed. 

Please send me the results of the investigation and an updated copy of my credit report reflecting the changes. Should you require any further documentation to assist with this matter, please contact me at the address above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief