Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: UT
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, Utah XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation. 

I am requesting that you REMOVE the following inaccuracies listed below from my credit file. It's imperative that someone from your company take my letters very seriously. I have not received anything in the mail concerning my credit report update, this is unacceptable! There is no excuse for you to be stalling my update! I'm giving you this opportunity to report 100 % accurate and verifiable information ONLY. Please see that the below accounts are examined right away.

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 

XXXX. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account. 

XXXX. XXXX  Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report. 

XXXX. XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report. 

XXXXXXXX XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report. 

XXXX. XXXX XXXX Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately. 

XXXX. XXXX XXXX XXXX  Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account. 

XXXX. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA XXXX Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section XXXX ( a ) ( XXXX ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your XXXX of XXXX. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Please send me an updated copy of my credit report once the above is addressed and corrected. 


Thank You, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation