Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to XXXX, XXXX, and Equifax regarding the ongoing issue of inaccurate information on my credit file. I have previously corresponded with your agency through a letter, in which I disputed the accuracy of certain accounts listed on my credit report. To my disappointment, the response I received from your agency did not adequately address my concerns or provide the necessary evidence to support the accuracy of the disputed accounts. 

As a consumer, I am protected by various laws and regulations, including the Fair Credit Reporting Act ( FCRA ) ], Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq and 15 U.S.C. 1681 et seq. These laws grant me the right to ensure that the information reported on my credit file is accurate and up-to-date. Unfortunately, your agency has failed to meet its obligation of accurate reporting in this matter. 

In your response, you stated that the disputed accounts were accurate. However, no supporting documentation was provided to substantiate your claim or establish the legitimacy of these accounts. I insist that, within 30 days of receiving this letter, your agency fulfills its legal obligations by providing me with the following information and documentation : 1 ) Contracts or agreements bearing my signature pertaining to the disputed accounts.

2 ) A chain of ownership demonstrating the transfer of these accounts to the current creditor.

3 ) Proof of your agency 's compliance with reporting standards and regulations regarding the disputed accounts.

4 ) The date of last activity associated with each of the disputed accounts.

Additionally, I request that your agency provides me with all supporting documents that link me to the accounts in question. This includes but is not limited to account statements, transaction records, and any other relevant information that substantiates the accuracy of the reported information.

I trust that, as a responsible credit reporting agency, you will promptly investigate this matter and take the necessary steps to rectify the inaccuracies on my credit file. Failure to comply with the aforementioned requests within the specified timeframe may result in further legal action to ensure my rights as a consumer are protected.

I appreciate your attention to this matter and look forward to receiving a comprehensive response within the stipulated timeframe. Please direct all correspondence related to this issue to the address listed above.

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX XXXX Account Name and Account number XXXX ) XXXX XXXX XXXX **** Not mine XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Not mine XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Not mine XXXX ) XXXX XXXX XXXX *** Not mine XXXX ) XXXX XXXX XXXX **** Not mine XXXX ) XXXX  XXXX XXXX 2000 XXXX Not mine XXXX ) XXXX  XXXX XXXX **** Not mine XXXX ) XXXX XXXX XXXX **** Not mine XXXX ) XXXX XXXX XXXX Bank XXXX XXXX **** Not mine XXXX ) XXXX XXXX XXXX XXXX Not mine

Company response to consumer: Closed with explanation