Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several inaccurate items on my credit report. I have reviewed my report and identified several accounts and personal information that are either questionable or completely inaccurate. I demand that these items be removed immediately from my credit report. 

Firstly, I am requesting the removal of XXXX  XXXX Bankruptcy ( XXXX XXXX : XXXX ) from my credit report. I am puzzled as to how this information was verified by your agency when other bureaus were unable to do so. As it is inaccurate, I urge you to remove it from my credit report immediately. 

Secondly, I am disputing the following accounts : XXXX  ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX ), XXXX  XXXX ( Account Number : XXXX  ), and XXXX XXXX XXXX ( Account Number : XXXX ). I have no knowledge of these accounts, and the name and number of the accounts are questionable. I demand that these accounts be either clarified to me or deleted immediately from my credit report. 

Thirdly, I am disputing the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. I have no recollection of authorizing these credit pulls, and I demand that they be removed from my credit report. 

Fourthly, I am disputing the following personal information : XXXX XXXX XXXX ( Account Number : ), XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ( Account Number : ), XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX ( Account Number : ), and XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ( Account Number : ). This information is completely inaccurate, and it is affecting my credit. I demand that it be deleted immediately from my credit report. 

Fifthly, I am disputing the following employer information : XXXX XXXX XXXX ( Account Number : ) and XXXX XXXX XXXX ( Account Number : ). These employers are not mine, and they should be deleted immediately from my credit report. 

Sixthly, I am disputing the accuracy of XXXX XXXX ( Account Number : XXXX ). To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Seventhly, I am disputing the following inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX. I have no recollection of authorizing these credit pulls, and I demand that they be removed from my credit report. 

Lastly, I am disputing the accuracy of the following account : XXXX XXXX ( Account Number : XXXX ). I have no recollection of ever being associated with this company. As it is frivolous, I demand that this account be removed from my credit report right away. 

I urge you to take immediate action to resolve these disputes. As a consumer, I have the right to an accurate and fair credit report, and I expect nothing less. Please contact me with any updates or resolutions to these disputes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation