Consumer complaint received 2025-01-13 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 : Account Name : XXXXXXXX XXXX Account Number : XXXX Balance : {$5500.00} Reason : I am disputing this account as it does not belong to me. I have no record of entering into any agreement or contract with this company, and I believe it may have been reported in error. Please investigate this matter and remove it from my credit report if ownership can not be verified. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$310.00} Reason : I am disputing the missed and late payments reported on this account. I kindly request that you provide detailed statements and records of all payments made and missed since I opened the account. 
I also disagree with the results of your investigation. Please mail me the documentation supporting your investigation and proof of the negative payment status for this account. If you can not provide this evidence, I ask that you delete the negative information associated with this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$280.00} Reason : I am disputing the missed and late payments reported on this account. I kindly request that you provide detailed statements and records of all payments made and missed since I opened the account. 
I also disagree with the results of your investigation. Please mail me the documentation supporting your investigation and proof of the negative payment status for this account. If you can not provide this evidence, I ask that you delete the negative information associated with this account. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Balance : {$38000.00} Reason : I am disputing the missed and late payments reported on this account. I kindly request that you provide detailed statements and records of all payments made and missed since I opened the account. 
I also disagree with the results of your investigation. Please mail me the documentation supporting your investigation and proof of the negative payment status for this account. If you can not provide this evidence, I ask that you delete the negative information associated with this account. 


status for this account. If you can not provide this evidence, I ask that you delete the negative information associated with this account. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The items in question are either inaccurately reported or have already been resolved. I request a thorough investigation and correction of these inaccuracies. Despite my efforts to contact the credit reporting agency and the data furnisher, the issue remains unresolved. 
I have attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and substantiate my claim. 
Please investigate this matter promptly and update my credit report to reflect accurate and updated information.

Company response to consumer: Closed with explanation