EQUIFAX, INC.


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"Products" offered by EQUIFAX, INC. with at least one, but usually more complaints:

Bank account or service - Checking account
Bank account or service - Other bank product/service
Checking or savings account -
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Personal line of credit
Consumer Loan - Vehicle lease
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Store credit card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt collection - Rental debt
Debt collection - Telecommunications debt
Debt or credit management - Credit repair services
Debt or credit management - Debt settlement
Debt or credit management - Mortgage modification or foreclosure avoid
Debt or credit management - Student loan debt relief
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Mortgage - Conventional adjustable mortgage (ARM)
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Mortgage - Reverse mortgage
Mortgage - VA mortgage
Other financial service - Refund anticipation check
Payday loan, title loan, or personal loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Other advances of future income
Payday loan, title loan, personal loan, or advance loan - Payday loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Payday loan, title loan, personal loan, or advance loan - Title loan
Prepaid card - Gift or merchant card
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan
Vehicle loan or lease - Title loan

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Complaint ID: 8162065

Date Received: 2024-01-13

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX.

Company Response:

State: NY

Zip: 117XX

Submitted Via: Web

Date Sent: 2024-01-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8162064

Date Received: 2024-01-13

Issue: Improper use of your report

Subissue: Credit inquiries on your report that you don't recognize

Consumer Complaint: I'm annoyed that EQUIFAX have fused the information underneath in my credit profile and that they have fail to keep up reasonable techniques in their exercises to ensure most limit possible precision in the credit reports you disseminate. Credit declaring laws ensure that offices report simply 100 % careful credit information. Every movement ought to be taken to ensure the information point by point is exact and right. The going with information in this manner ought to be re-explored. 15 U.S. Code 1681b - Permissible purposes of consumer reports.Pursuant to 15 usc 1611 { Equifax } is criminally liable. ( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.I, XXXX XXXX, never gave a written consent to report anything on my consumer report, No consent is IDENTITY THEFT. A copy of the law is attached with this dispute letter. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term Credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). An alleged debt being furnished on your " credit '' report IS a violation of 15 usc 1692b. ( 2 ) it is also advertising to coerce payment. Which is illegal. I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter XXXXConcerning the accounts listed below as a consumer i'm demanding a deletion of these accounts. XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX. Did not consent to unauthorized inquiry XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX. Did not consent to unauthorized inquiry EQUIFAX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX.Did not consent to unauthorized inquiry EQUIFAX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 16.Did not consent to unauthorized inquiry EQUIFAX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX.Did not consent to unauthorized inquiry EQUIFAX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX.Did not consent to unauthorized inquiry XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry EQUIFAX XXXX XXXX UP Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry EQUIFAX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry EQUIFAX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry EQUIFAX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX not consent to unauthorized inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX not consent to unauthorized inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX not consent to unauthorized inquiry EQUIFAX Date of Inquiry XXXX XX/XX/XXXX Please Remove It From My Credit Report. XXXX not consent to unauthorized inquiry EQUIFAX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX not consent to unauthorized inquiry EQUIFAX UPDATE Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX not consent to unauthorized inquiry XXXX XXXX XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX not consent to unauthorized inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX 64.Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX not consent to unauthorized inquiry XXXX XXXX XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX not consent to unauthorized inquiry XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXX not consent to unauthorized inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXXXXXX XXXX Date of Inquiry : XXXX XXXX XXXX Please Remove It From My Credit Report. XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Please Remove It From My Credit Report. This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, andFederal Trade Commission. Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the descriptionof the procedure used to determine the accuracy and completeness of theinformation is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Company Response:

State: NY

Zip: 11433

Submitted Via: Web

Date Sent: 2024-01-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8162061

Date Received: 2024-01-13

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: I am requesting that it will be removed from my credit report as soon as possible.

Company Response:

State: MD

Zip: 21215

Submitted Via: Web

Date Sent: 2024-01-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8162060

Date Received: 2024-01-13

Issue: Improper use of your report

Subissue: Report provided to employer without your written authorization

Consumer Complaint: I have unauthorized inquiries on my credit report and I would like them to be removed.

Company Response:

State: FL

Zip: 33179

Submitted Via: Web

Date Sent: 2024-01-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8162058

Date Received: 2024-01-12

Issue: Problem with a company's investigation into an existing problem

Subissue: Investigation took more than 30 days

Consumer Complaint: I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company Response:

State: TX

Zip: 75051

Submitted Via: Web

Date Sent: 2024-01-12

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8162038

Date Received: 2024-01-13

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshot inside this complaint in on dates of [ XX/XX/2023 ]. Please investigate and provide proof of with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks please see screenshot attached :

Company Response:

State: LA

Zip: 708XX

Submitted Via: Web

Date Sent: 2024-01-13

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8161939

Date Received: 2024-01-13

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: XXXX XXXX XXXX XXXX is reporting a balance of {$210.00} on my credit report. In XX/XX/, XXXX, a collection email sent a dunning letter, on behalf of XXXX XXXX XXXX XXXX. in the letter, XXXX letter stated that as of XX/XX/2023 i owed XXXX XXXX XXXX XXXX, XXXX. The letter also stated that i paid or were credited XXXX leaving a balance of XXXX XXXX, XXXX XXXX XXXX is still reporting a balance of XXXX on my credit report after the letter from XXXX shows XXXX for the same accounthave reached out to both companies and neither will correct the issue. i have attached both documents as proof as well as my credit reports. Additionally XXXX XXXX is a collection company which means that XXXX XXXX XXXX XXXX sold the account to a third party which will make it a violation to continue to report a balance on an account that has been sold. Furthermore, XXXX XXXX XXXX XXXX reporting the account as a open account when it is reporting as as collection./chargeoff which means its closed by default. These inconsistencies prove that no reasonable or proper investigation has occurred. I have been disputing these accounts for a year. FCRA section 616 for civil liability for willful non compliance, ( 15 U.S.C section 1681nh states that any person who fails to willfully comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of A- any actual damage sustained by the consumer as a result of the failure or damage of not less than {$100.00} and not more than {$1000.00}. i have suffered damages to my credit profile which has impacted my financial wellbeing. I would like to be compensated by these bureaus in the sum of more than {$100.00} and not more than {$1000.00} for their negligence in causing these violations and damages to my credit report According to FCRA 623a ( 1 ) ( A ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX continues to report the balance of XXXX and an open account status for an account that is a chargeoff/collection B ) reporting information after notice and confirmation of errors- a person shall not furnish information relating to a consumer to any credit reporting agency if ( 1 ) the person has been notified by the consumer at the address specified by the person for such notices that specific information is inaccurate and the information is infact accurate. Here, for the i have dipsuted for a year with all three credit buraus constantly pointing out the inconsistencies that are being report. Each time, the bureaus confirms that XXXX has verfied the account as accurately, however, all of these consistencies and inaccuracies remain. Furthermore, outside of XXXX, Equifax and XXXX reporting the chargeoff as a open account, XXXX is reporting the date of last activity as XX/XX/XXXX XXXX is reporting XX/XX/2023 and Equifax is reporting XX/XX/2023. XXXX and XXXX fails to report the date of last payment while equifax is reporting the date of last payment as XX/XX/XXXX when this account was paid in XXXX, therefore it is evident that Equifax did not conduct a reasonable investigation as the date of last activity should reflect the last date a payment was made This account was disputed with XXXX, equifax and XXXX, and all companies fail to mark the account as disputed as outlined in the 15 U.S.C section 1681

Company Response:

State: MS

Zip: 39110

Submitted Via: Web

Date Sent: 2024-01-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8161925

Date Received: 2024-01-13

Issue: Problem with a company's investigation into an existing problem

Subissue: Their investigation did not fix an error on your report

Consumer Complaint: I recently received a copy of my updated report in 3 credit Bureaus and I noticedinaccurate information posted on my consumer report. These are the inaccurateitems which are listed in my report : 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 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

Company Response:

State: FL

Zip: 33426

Submitted Via: Web

Date Sent: 2024-01-13

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8161923

Date Received: 2024-01-13

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an ITEMS passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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

Company Response:

State: NY

Zip: 10469

Submitted Via: Web

Date Sent: 2024-01-13

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8161898

Date Received: 2024-01-12

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company Response:

State: TX

Zip: 77042

Submitted Via: Web

Date Sent: 2024-01-12

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.