Consumer complaint received 2025-01-02 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 : XXXX Account Number : XXXX Reason : Im disputing the missed and late payments reported on this account. Id appreciate it if you could provide a detailed record of all payments made and any missed payments since the account was opened.

Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate Account Name : XXXX Account Number : XXXX Reason : I have concerns about the negative payment status and history reported on this account. Could you please provide statements showing the past due amounts for any missed payments, along with the exact date the account was marked as negative? 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX Account Number : XXXX Reason : I have concerns about the negative payment status and history reported on this account. Could you please provide statements showing the past due amounts for any missed payments, along with the exact date the account was marked as negative?

Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate Account Name : XXXX Account Number : XXXX Reason : I have concerns about the negative payment status and history reported on this account. Could you please provide statements showing the past due amounts for any missed payments, along with the exact date the account was marked as negative? 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX  Account Number : XXXX Reason : Im disputing the missed and late payments reported on this account. Id appreciate it if you could provide a detailed record of all payments made and any missed payments since the account was opened. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Im disputing the missed and late payments reported on this account. Id appreciate it if you could provide a detailed record of all payments made and any missed payments since the account was opened.

Date of Last Activity : Inaccurate Close Date : Inaccurate Last Verified : Inaccurate Account Name : XXXX Account Number : XXXX Reason : Im concerned about the negative payment status and history reported on this account. I would appreciate it if you could provide statements showing the exact past-due amounts for any missed payments and the date the account was first reported as negative. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Im disputing the missed and late payments reported on this account. Id appreciate it if you could provide a detailed record of all payments made and any missed payments since the account was opened.

Account Name : XXXX XXXX Account Number : XXXX Reason : Im concerned about the negative payment status and history reported on this account. I would appreciate it if you could provide statements showing the exact past-due amounts for any missed payments and the date the account was first reported as negative Account Name : XXXX Account Number : XXXX Reason : Im disputing the missed and late payments reported on this account. Id appreciate it if you could provide a detailed record of all payments made and any missed payments since the account was opened.

Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Reason : Im concerned about the negative payment status and history reported on this account. I would appreciate it if you could provide statements showing the exact past-due amounts for any missed payments and the date the account was first reported as negative.

Account Name : XXXX Account Number : XXXX Reason : Im disputing the missed and late payments reported on this account. Id appreciate it if you could provide a detailed record of all payments made and any missed payments since the account was opened.

Date of Last Activity : Inaccurate Close Date : Inaccurate Last Verified : Inaccurate Account Name : XXXX Account Number : XXXX Reason : This account is incorrectly being reported as charged off with a balance due. Im requesting proof of the charge-off, and if no valid documentation can be provided, I ask that the balance be updated to {$0.00} or the negative payment status be removed from my account.

Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate 2Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I have concerns about the reported balance and open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the due date. If this information can not be verified, I request that this account be removed from my report. 

2Account Name : XXXX Account Number : XXXX Reason : This account is being reported as charged off with a balance due, which I believe is incorrect. Please provide proof of the charge-off, and if it cant be verified, I request that the balance be updated to {$0.00} or that the negative payment status be removed from the account. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : I don't agree with the negative payment status and history reported on this account. Could you please provide all statements showing the exact past-due amounts for any missed payments and the date the account was first marked as negative? 

2Account Name : XXXX XXXX Account Number : XXXX Reason : This account is being incorrectly reported as charged off with a balance due. Please provide documentation showing proof of the charge-off. If this can not be verified, I request that the balance be updated to {$0.00} or that the negative payment status be removed from the account. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I dont agree with the negative payment status and history listed on this account. Could you please provide statements showing the exact past-due amounts for any missed payments and the specific date the account was reported as negative? 

Account Name : XXXX Account Number : XXXX Reason : I dont agree with the negative payment status and history listed on this account. Could you please provide all statements showing the exact past-due amounts for any missed payments and the specific date the account became negative?

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal authority to collect it. If such proof can not be provided, I request that this account be deleted. 

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 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items are either reported incorrectly or have already been resolved, and I request a thorough investigation and correction. I have already reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents, including screenshots of my credit report, to highlight the inaccuracies and back up my claim. Please look into this matter promptly and update my credit report with the correct information.

Company response to consumer: Closed with non-monetary relief