Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Reporting To Whom It XXXX Concern, I am writing to formally dispute several inaccuracies on my Equifax credit report dated XX/XX/XXXX. Despite multiple communications requesting corrections or removals, these errors persist and continue to negatively impact my credit profile. Below, I have outlined the disputed accounts, their associated inaccuracies, the history of my disputes, and references to the supporting documents provided to Equifax. 
XXXX. XXXX XXXX XXXX XXXX Account # Ending XXXX Charged-Off for {$36000.00} Discrepancy : This account is inaccurately reported with a charge-off balance of {$36000.00}. Previous disputes raised concerns about the accuracy of the reported balance, payment history, and account status. 
o XX/XX/XXXX : Initial dispute filed regarding the balance and inconsistencies in payment reporting. 
Document : " XXXX XXXX - Equifax XXXX XXXX XXXX XXXX - XXXX '' o XX/XX/XXXX : Follow-up dispute emphasizing unresolved discrepancies. 
Document : " XXXX CREDIT REPORT - EQUIFAXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # Ending XXXX Charged-Off for {$7900.00} Discrepancy : The account is inaccurately reported with a charge-off balance of {$7900.00}. Multiple disputes have noted the lack of proper verification and inconsistencies in the accounts reported status. 
o XX/XX/XXXX : Raised concerns about inaccuracies in the charge-off balance and requested verification. 
Document : " XXXX XXXX - Equifax XXXX XXXX XXXX XXXX - XXXX '' o XX/XX/XXXX : Highlighted Equifaxs failure to respond adequately and reiterated the demand for corrections. 
Document : " XXXX XXXX - Equifax Failure to Respond - XXXX '' XXXX. XXXX XXXX XXXX XXXX Account # Ending XXXX Charged-Off for {$93.00} Discrepancy : This account is inaccurately reported with an unresolved balance of {$93.00}. 
o XX/XX/XXXX : Initial dispute letter submitted. 
o XX/XX/XXXX : Requested the method of verification and further documentation. 
Document : " XXXX XXXX - Equifax XXXX XXXX XXXX XXXX - XXXX '' Document : " XXXX XXXX - Equifax XXXX XXXX XXXX - XXXX '' XXXX. XXXX Account # Ending XXXX XXXX for {$11000.00} Discrepancy : The account balance and charge-off status are inaccurate, with discrepancies in reported payment history. o XX/XX/XXXX : Disputed the charge-off status and inaccuracies in the balance. 
Document : " XXXX XXXX - Equifax Failure to Respond - XXXX '' o XX/XX/XXXX : Follow-up disputing unresolved issues in balance and account history. 
Document : " XXXX CREDIT REPORT - EQUIFAXXXXX XXXX XXXX XXXX XXXX  Account Previously Disputed and Deleted Discrepancy : The XXXX account was previously disputed and removed. However, Equifax has not provided a written acknowledgment of this correction. 
o XX/XX/XXXX : Initial request for deletion submitted. 
o XX/XX/XXXX : Follow-up request for written confirmation of the accounts removal. 
Document : " XXXX XXXX - Equifax - XXXX of XXXX XXXX - Supreme - XXXX '' Document : " XXXX XXXX - Equifax XXXX of XXXX Boosted XXXX - XXXX '' XXXX. Incorrect Address Discrepancy : My current address, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX, is not accurately reflected on my credit report. 
Instead, it lists XXXX XXXX XXXX, XXXX, CA XXXX as my current address. 
o Supporting Document : " XXXX CREDIT REPORT - EQUIFAXXXXX XXXX XXXX Summary of Requests The unresolved discrepancies outlined above constitute violations of the Fair Credit Reporting Act ( FCRA ), as Equifax has failed to validate or correct these items despite repeated disputes. I demand the immediate correction or removal of the following : XXXX XXXX XXXX XXXX XXXX XXXX accounts for {$36000.00} ( Account # XXXX ), {$7900.00} ( Account # XXXX ), and {$93.00} ( Account # XXXX ). 
2. The XXXX account for {$11000.00} ( Account # XXXX ). 
3. Confirmation of the XXXX account deletion. 
4. Update of my current address to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX. 
If Equifax can not substantiate these accounts with valid documentation, I request their immediate removal. Failure to address these inaccuracies promptly will result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and consideration of legal remedies to protect my rights. 
Thank you for your attention to this matter. I look forward to receiving a detailed response confirming the actions Equifax will take to resolve these issues. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation