Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2023 Subject : Request for Removal of Inaccurate and Incomplete Information from Credit Report and Details on Dispute Investigation Dear Credit Bureau I am writing to formally request the removal of inaccurate and incomplete information from my credit report, as identified in my copies of my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 623. Additionally, I kindly request detailed information regarding the dispute investigation, including the evidence and documentation used in reaching a decision. 

Enclosed with this letter are copies of my credit reports from your bureau, highlighting the specific items in question. It has come to my attention that these entries contain inaccuracies and incomplete information that could adversely affect my financial standing. 

Under FCRA Section 623, it is my right to ensure that the information contained in my credit report is accurate and up-to-date. The presence of inaccurate and incomplete information can have a significant impact on my ability to access credit and financial opportunities. 

I appreciate the previous investigation into my dispute, but I request a thorough explanation of the evidence, documents, or information that led to the decision made. This includes the methodology used, the names of the individuals involved, and any correspondence related to the dispute investigation. 

Furthermore, I kindly ask that you provide the following documentation for each disputed item : 1. Copies of the original credit agreements or contracts with the creditors reporting the information.

2. Any supporting documentation or records used in the investigation.

3. Proof of communication with the creditors regarding the disputed information.

4. Any other evidence that contributed to the investigation 's conclusion.

Please ensure that this information is made available promptly and in compliance with the FCRA. I understand that credit reporting agencies are obligated to provide this information when requested by consumers. 

Please inform me of the results of your investigation and provide me with a revised copy of my credit report once the necessary corrections have been made. If you find that the disputed information is indeed inaccurate or incomplete, I also request that you inform all creditors who have received my credit report within the past six months about the corrections made. 

I appreciate your prompt attention to this matter, as it is crucial for my financial well-being. Please notify me in writing of the actions taken and the outcomes of your investigation within the 30-day time frame required by the FCRA. 

Thank you for your assistance in resolving this matter, and I look forward to receiving the requested information. 

Sincerely, XXXX XXXX Enclosures : - Copies of my credit report with highlighted inaccuracies and incomplete information Please let me know if there is anything else I can do to expedite this process or if any additional information is required. Thank you.

Company response to consumer: Closed with non-monetary relief