Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Equifax XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Immediate Action Required : Request for Correction of Inaccurate Credit Reporting and Account Freeze Dear Sir or Madam, I am writing to formally dispute multiple accounts that are inaccurately reported on my credit file and to demand immediate corrective action. Under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance guidelines, I expect your agency to take swift and decisive action to rectify these violations. 

Personal Information : - Name : XXXX XXXX - Address : XXXX XXXX XXXX, XXXX, LA XXXX - Social Security Number ( last XXXX digits ) : XXXX - Date of Birth : XX/XX/XXXX Account Information Disputes : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Disputed Information : I am disputing this account because TransUnion is not reporting it at all, while XXXX  shows the last reported date as XX/XX/XXXX, and Equifax reported it as XX/XX/XXXX. This discrepancy must be addressed immediately. 

XXXX. Kikoff Lending - Account Number : XXXX - Date Opened : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX - Disputed Information : XXXX  is not reporting this account, while XXXX  shows it as having 90 days past due, and Equifax is inaccurately reporting no more than XXXX payments past due. This information is inconsistent and must be corrected. 

XXXX XXXX XXXX XXXX Account Number : XXXX - Date Opened : XX/XX/XXXX - Disputed Information : This account is reported under XXXX different names, which constitutes double jeopardy and is inaccurate across all three major credit agencies. This must be rectified immediately. 

XXXX. XXXX XXXX XXXX XXXX Reporting ) - Account Number : XXXX - Date Opened : XX/XX/XXXX - Disputed Information : This account appears to be reporting the same information as the previous account listed. It must be verified for accuracy, and any duplicates should be removed immediately. 

XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX - Disputed Information : The comments on this account are inaccurate, including the last reported date and last date active. This information must be corrected to reflect accurate reporting.

Demands for Action : 1. Immediate Deletion of Inaccurate Accounts : Given the significant violations of the FCRA regarding accurate reporting, I demand the immediate deletion of all the accounts listed above from my credit report. Failure to comply will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for damages incurred due to these inaccuracies.

2. Account Freeze and Opt-Out : I request that you place a freeze on my Equifax credit file immediately. Additionally, I wish to opt-out of any prescreened credit offers as permitted under the Fair Credit Reporting Act. 

XXXX. Expedited Update of Credit Report : I expect my credit report to be updated promptly to reflect these corrections. Please provide me with a copy of my updated credit report once the necessary changes have been made. 

I have enclosed copies of relevant documents supporting my disputes for your review. I expect your response in writing within 30 days of your receipt of this letter, as mandated by the FCRA. 

Thank you for your immediate attention to these serious matters. I look forward to your swift compliance with my demands. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief