Consumer complaint received 2023-03-19
Company: EQUIFAX, INC.
State: WI
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, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report which I believe are inaccurate and unfair. I have reviewed my credit report and found several negative items that I believe should not be there. Below is a list of the disputed items with their respective account numbers and dates : Inquiries from XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX  between XX/XX/XXXX to XX/XX/XXXX. These inquiries were not authorized by me, and they have reached the statute of limitation. 

Account from XXXX XXXX XXXX ( Account Number : XXXX ). Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Account from XXXX BANK ( Account Number : XXXX ). Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Account from XXXX XXXX XXXX ( Account Number : XXXX ). Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Account from XXXX XXXX ( Account Number : XXXX ). Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Account from XXXX XXXXXXXX ( Account Numbers : XXXX and XXXX ). Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Account from XXXX ( Account Number : XXXX ). Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Account from XXXX XXXX ( Account Number : XXXX ). Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Account from XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ). Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Account from XXXX XXXX XXXX XXXX  ( Account Number : XXXX ). Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Account from XXXX BANK ( Account Number : XXXX ). Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Accounts from XXXX ( Account Numbers : XXXX and XXXX ). Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete these accounts from my report completely. 

Account from XXXX XXXX ( Account Number : XXXX ). Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Account from XXXX CARD ( Account Number : XXXX ). Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Account from XXXX XXXX XXXX  ( Account Number : XXXX ). Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Account from XXXX ( Account Number : XXXX ). Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Account from XXXX BANK ( Account Number : XXXX ). Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Account from XXXX XXXX XXXX ( Account Number : XXXX ). I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

Inquiry from XXXX XXXX ( Date of inquiry : XX/XX/XXXX ). This inquiry was not authorized by me, and it has reached the statute of limitation. 

I request that you investigate and resolve these issues as soon as possible. I also ask that you send me a written confirmation of any corrections made to my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation