Consumer complaint received 2025-01-27 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: MS

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report. This situation is deeply affecting my peace of mind, especially during such a difficult time. Specifically, the following items are incorrect and are negatively impacting my credit score, making it harder for me to get back on my feet : Account Name : XXXX XXXX Account Number : XXXX Reason : It is deeply disheartening to see that this account is being inaccurately reported as a charged-off account with a balance due. This mistake is unjustly affecting my financial standing. Please provide clear evidence of the charge-off or correct this by updating the balance to {$XXXX} or remove the negative payment status associated with this account. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Its disheartening to see missed and late payments being reported on this account. I never imagined my history would be clouded by such claims. Please provide all statements and records of every payment Ive made and missed since opening this account. I need clarity, and I hope this can be resolved fairly. 

Account Name : XXXX Account XXXX : XXXX Reason : Its troubling to see this account inaccurately showing XXXX late payments. According to my XXXX report, there is only XXXX late payment being reported. These inconsistencies weigh heavily on me, and I hope you can correct this error, so my record reflects the truth. Please help me resolve this. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : It is deeply disheartening to see that this account is being inaccurately reported as a charged-off account with a balance due. This mistake is unjustly affecting my financial standing. Please provide clear evidence of the charge-off or correct this by updating the balance to {$XXXX} or remove the negative payment status associated with this account. 

Account Name : XXXX Account XXXX : XXXX Reason : I dispute the missed and late payments reported on this account. These inaccuracies are deeply concerning, especially as I am going through a difficult time. Please provide statements and records of all payments made and missed since I opened the account. I do not agree with the results of your investigation and request proof of the negative payment status. If you can not provide this proof, I respectfully ask that you delete the negative information from this account. 

INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX EXP XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX Ive done everything I can, but these inaccuracies still cling to my credit report like a shadow. Ive reached out, Ive provided proof, but nothing changes. Please investigate thoroughly. I just want my report to reflect the truth so I can finally move forward. XXXX exhausted I just need a chance to breathe again.

Company response to consumer: Closed with non-monetary relief