Consumer complaint received 2024-01-26 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: FL

Complaint narrative:
I sent the following information to all XXXX credit buraus. Equifax, XXXX XXXX XXXX. They did not get back to me with in the 30-45 day mark. XXXX actually to day is still working on my original claim that was sent back on XX/XX/XXXX. 

To whom it may concern : Equifax This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 
XXXX Equifax Equifax 2 Year Payment History XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Description : Individual Account Status : Open Account Type : Revolving Balance Owed : {$540.00} Credit Limit : {$300.00} Creditor Remarks : Credit card Amount in XXXX column is credit limit Creditor Type : Credit Card Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$0.00} Last Payment : XX/XX/XXXX Past Due Amount : {$120.00} Payment Amount : {$30.00} Payment Status : Late 90 Days Term Length : XXXX XXXX Equifax Equifax 2 Year Payment History XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Description : Individual Account Status : Derogatory Account Type : Open Account Balance Owed : {$5900.00} Credit Limit : {$0.00} Creditor Remarks : Consumer disputes after resolution Collection account Creditor Type : Collection Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$5900.00} Last Payment : XX/XX/XXXX Past Due Amount : {$5900.00} Payment Amount : {$0.00} Payment Status : Late 120 Days Term Length : XXXX Page XXXX of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Equifax Equifax 2 Year Payment History Account XXXX : Account Description : Account Status : Account Type : Balance Owed : Credit Limit : Creditor Remarks : Creditor Type : Date Opened : Date Reported : Date of Last Activity : High Balance : Last Payment : Past Due Amount : Payment Amount : Payment Status : Term Length : XXXX XXXX XXXX Equifax Equifax 2 Year Payment History XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Description : Individual Account Status : Derogatory Account Type : Open Account Balance Owed : {$980.00} Credit Limit : {$0.00} Creditor Remarks : Consumer disputes this account information Collection account Creditor Type : Collection Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$980.00} Last Payment : XX/XX/XXXX Past Due Amount : {$980.00} Payment Amount : {$0.00} Payment Status : Late 120 Days Term Length : XXXX XXXX  Equifax Equifax 2 Year Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account Description : Individual Account Status : Derogatory Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX Equifax XXXX XXXXXXXX XXXX XXXX, GA XXXX Account Type XXXX Revolving Balance Owed XXXX {$1200.00} Credit Limit : {$0.00} Creditor Remarks : Charged off account Credit card Creditor Type : Credit Card Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$1200.00} Last Payment : XX/XX/XXXX Past Due Amount : {$1200.00} Payment Amount : {$0.00} Payment Status : Collection/Chargeoff Term Length : XXXX Inquiries XXXX XX/XX/XXXX Equifax The information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. 
Once again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Sincerely XXXX XXXX Please send your written response to my address of XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX, FL XXXX To whom it may concern : XXXX This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 
XXXX XXXX XXXX 2 Year Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Description : Individual Account Status : Closed Account Type : Revolving Balance Owed : {$540.00} Credit Limit : {$300.00} Creditor Remarks : Account has been closed due to inactivity. 
Creditor Type : Credit Card Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$540.00} Last Payment : XX/XX/XXXX Past Due Amount : {$120.00} Payment Amount : {$30.00} Payment Status : Late 90 Days Term Length : XXXX XXXX XXXX XXXX 2 Year Payment 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  Account # : XXXX Account Description : Individual Account Status : Derogatory Account Type : Open Account Balance Owed : {$4400.00} Credit Limit : {$0.00} Creditor Remarks : Subscriber reports dispute resolved - consumer disagrees. 
Unpaid balance reported as a loss by the credit grantor. 
XXXX XXXX I HAVE NO KNOWLEDGE OF THIS ACCOUNT. 
Creditor Type : Credit Card Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$4400.00} Last Payment : - Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Past Due Amount : {$2700.00} Payment Amount : {$0.00} Payment Status : Collection/Chargeoff Term Length : XXXX XXXX  XXXX XXXX 2 Year Payment History Account # : Account Description : Account Status : Account Type : Balance Owed : Credit Limit : Creditor Remarks : Creditor Type : Date Opened : Date Reported : Date of Last Activity : High Balance : Last Payment : Past Due Amount : Payment Amount : Payment Status : Term Length : XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 2 Year Payment History Account # : XXXX Account Description : Individual Account Status : Derogatory Account Type : Collection Balance Owed : {$5900.00} Credit Limit : - Creditor Remarks : Subscriber reports dispute resolved - consumer disagrees. 
XXXX XXXX I HAVE NO KNOWLEDGE OF THIS ACCOUNT. 
Creditor Type : Collection Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$5900.00} Last Payment : - Past Due Amount : - Payment Amount : - Payment Status : Collection/Chargeoff Term Length : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 2 Year Payment History Account # : XXXX Account Description : Individual Account Status : Derogatory Account Type : Collection Balance Owed : {$2300.00} Credit Limit : - Creditor Remarks : **CONSUMER STATEMENT** I HAVE NO KNOWLEDGE OF THIS ACCOUNT. 
Creditor Type : Collection Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$2300.00} Last Payment : - Past Due Amount : - Payment Amount : - Payment Status : Collection/Chargeoff Term Length : - XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX 2 Year Payment History Account # : Account Description : Account Status : Account Type : Balance Owed : Credit Limit : Creditor Remarks : Creditor Type : Date Opened : Date Reported : Date of Last Activity : High Balance : Last Payment : Past Due Amount : Payment Amount : Payment Status : Term Length : XXXX XXXX XXXX XXXX XXXX 2 Year Payment History XXXX XXXX  Account XXXX : XXXX Account Description : Individual Account Status : Derogatory Account Type : Open Account Balance Owed : {$980.00} Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Credit XXXX : {$0.00} Creditor Remarks : Customer disputed account - reported by subscriber. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Creditor Type : Unknown - credit extension, review, or collection Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$980.00} Last Payment : - Past Due Amount : {$980.00} Payment Amount : {$0.00} Payment Status : Collection/Chargeoff Term Length : XXXX XXXX XXXX XXXX 2 Year Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Account Description : Individual Account Status : Derogatory Account Type : Revolving Balance Owed : {$1200.00} Credit Limit : {$1000.00} Creditor Remarks : First payment never received. 
Unpaid balance reported as a loss by the credit grantor. 
XXXX XXXX THIS ACCOUNT WAS THE RESULT OF UNAUTHORIZED SERVICES. 
Creditor Type : Credit Card Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$0.00} Last Payment : - Past Due Amount : {$1200.00} Payment Amount : {$0.00} Payment Status : Collection/Chargeoff Term Length : XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXF XXXX XX/XX/XXXX XXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX The information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. 
Once again! Under federal law, you had XXXX ( XXXX ) days to complete your investigation from the date you received my dispute. 
Sincerely XXXX XXXX Please send your written response to my address of XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To whom it may concern : XXXX This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 
XXXX XXXX XXXX 2 Year Payment History XXXXXXXX XXXX XXXX XXXX  Account # : XXXX Account Description : Individual Account Status : Open Account Type : Revolving Balance Owed : {$490.00} Credit Limit : {$300.00} Creditor Remarks : - Creditor Type : Credit Card Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$490.00} Last Payment : XX/XX/XXXX Past Due Amount : {$90.00} Payment Amount : {$30.00} Payment Status : Late 60 Days Term Length : XXXX XXXX XXXX XXXX 2 Year Payment History Account # : XXXX Account Description : Individual Account Status : Derogatory Account Type : Open Account Balance Owed : {$4400.00} Credit Limit : {$0.00} Creditor Remarks : Charged off as bad debt Dispute resolved; customer disagrees Creditor Type : Credit Card Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$4400.00} Last Payment : - Past Due Amount : {$2700.00} Payment Amount : {$0.00} Payment Status : Collection/Chargeoff Term Length : XXXX Page XXXX of XXXX XXXX XXXX XXXX Celebration XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX 2 Year XXXX History Account # : Account Description : Account Status : Account Type : Balance Owed : Credit Limit : Creditor Remarks : Creditor Type : Date Opened : Date Reported : Date of Last Activity : High Balance : Last Payment : Past Due Amount : Payment Amount : Payment Status : Term Length XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 2 Year Payment History Account # : XXXX Account Description : Individual Account Status : Derogatory Account Type : Collection Balance Owed : {$5900.00} Credit Limit : - Creditor Remarks : Account information disputed by consumer, meets FCRA requirements Creditor Type : Collection Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$5900.00} Last Payment : - Past Due Amount : - Payment Amount : - Payment Status : Collection/Chargeoff Term Length : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX 2 Year XXXX XXXX Account # : XXXX Account Description : Individual Account Status : Derogatory Page XXXX of XXXX XXXX XXXX XXXX Celebration XXXX Way, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Account Type : Collection XXXX Owed XXXX {$2300.00} Credit Limit : - Creditor Remarks : Placed for collection Creditor Type : Collection Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$2300.00} Last Payment : - Past Due Amount : - Payment Amount : - Payment Status : Collection/Chargeoff Term Length : - XXXXS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX 2 Year Payment History Account # : XXXX Account Description : Individual Account Status : Derogatory Account Type : Collection Balance Owed : {$980.00} Credit Limit : - Creditor Remarks : Account information disputed by consumer, meets FCRA requirements Creditor Type : Collection Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$980.00} Last Payment : - Past Due Amount : - Payment Amount : - Payment Status : Collection/Chargeoff Term Length : - XXXX XXXX XXXX XXXX XXXX 2 Year Payment History Account # : Account XXXX XXXX Account XXXX XXXX Account Type : Balance Owed : Credit Limit : Creditor Remarks : Creditor Type : Date Opened : Date Reported : Date of Last Activity : High Balance : Last Payment : Past Due Amount : Payment Amount : Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX SSN XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Payment Status : Term Length : XXXX XXXXXXXX XXXX 2 Year XXXX History Account # : XXXX Account Description : Individual Account Status : Derogatory Account Type : Revolving Balance Owed : {$1200.00} Credit Limit : {$1000.00} Creditor Remarks : Charged off as bad debt First payment never received Creditor Type : Credit Card Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$1300.00} Last Payment : - Past Due Amount : {$1200.00} Payment Amount : {$0.00} Payment Status : Collection/Chargeoff Term Length : XXXX Inquiries XXXX XX/XX/XXXX XXXX The information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. 
Once again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Sincerely XXXX XXXX Please send your written response to my address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL

Company response to consumer: Closed with non-monetary relief