Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Kindly be sure with the accuracy and precision with these customer record items. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 

XXXX XXXX XXXX Balance Owed : {$230.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance Owed : {$390.00} - How many times do I have to state that the references used to support the late payment on this account are false and deceptive, thus impacting my credit report? I previously asked that this account be looked at and corrected, but you did nothing. Let me remind you that the FCRA legislation requires you to look into and update this account in response to customer inquiries. In order to present correct information on my credit report, I once again ask that you take your time to THOROUGHLY examine and CORRECT this account. 

XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Account number, payment status, and date open appear to be inaccurate information that was reported. Please review this account 's payment history information. Since I think I made my payment on time, the late history shouldn't be displaying as late. Correct the late payments from this account, please. I'm not running behind on this. Get it correct as soon as possible ; assess this reporting by updating the data supplied. Please update this from my file, make any necessary changes, and modify it. 

XXXX XXXX XXXX Balance Owed : {$0.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove if no proof can be provided. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - This only serves to highlight your poor record-keeping skills. Now that it is closed and the amount is nil, this item is reportedly 30 days past due. Let 's fix this right away. You must confirm this for yourself, however I will go ahead and point out that this account has been paid, closed, and is no longer operational. Its status should have shown " PAID. '' Unless you can show proof that you haven't violated my rights by reporting inaccurate information, delete it right away. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - This account should not be showing a status of 30 days late since they have already been paid for and yet the current status is showing negative information that is unnecessary and damaging to my credit report. This is against the Fair Credit Billing Act, 15 USC 1601, which protects consumers from " unfair credit billing and credit card practices. '' It would appear impossible for late fees to be accumulated on a paid-in-full account. Please look into these absurd statuses and let me know when there was action on the account last. Remove this account from my credit report if not. 

XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately. 

XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016 - I didn't submit a XXXX XXXX petition to the courts. The court clerk I dealt with did not have any records. In order for me to get in touch with the third party data provider who sent you, the credit reporting agency, this inaccurate information, kindly offer their contact details. Please delete this account since we are unable to verify this data. 

If you can not prove this information to be 100 % accurate please update or delete it immediately!

Company response to consumer: Closed with explanation