Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: FL
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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found in my credit report. After reviewing my report, I have identified several inaccuracies that need to be addressed immediately. 

Firstly, the following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX - This address is not correct. I request that you delete it from my report immediately. 

Secondly, the following personal information is also incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX - This address is not correct. Please remove it from my report without delay. 

Thirdly, the following personal information is incorrect : Account Number : XXXX XXXX XXXX - This is not my employer. I demand that you delete it from my report immediately. 

Fourthly, the following personal information is incorrect : Account Number : XXXX XXXX - This is not my employer. I request that you delete it from my report immediately. 

Fifthly, XXXX XXXX Account Number : XXXX - I don't understand how this account can have a payment history when it's a charge off. Please delete this account from my report immediately. 

Sixthly, XXXX XXXX : Account Number : XXXX - I have no recollection of belonging to this account, and it is not possible for you to update an account that is frivolous. Therefore, I request that you remove it from my credit report immediately. 

Seventhly, XXXX XXXX : Account Number : XXXX - I have no recollection of being late with any payments related to this account. Therefore, I request that you remove this incorrect and harmful data from my credit file immediately. 

Eighthly, XXXX XXXX : Account Number : XXXX - I don't remember ever being late with any payments related to this account, so I'm curious how you are able to verify that information. Therefore, I request that you remove this incorrect data from my credit file immediately. 

Ninthly, XXXX : Account Number : XXXX - I don't understand how this account can have a payment history when it's a charge off. Please delete this account from my report immediately. 

Tenthly, XXXXXXXX XXXX  : Account Number : XXXX - I have no recollection of ever being associated with this company that is unfamiliar to me. Therefore, I request that you remove this frivolous account from my credit report immediately. 

Eleventhly, XXXX : Account Number : XXXX - I don't understand how this account can have a payment history when it's a charge off. Please delete this account from my report immediately. 

Twelfthly, XXXX : Account Number : XXXX - I don't understand how this account can have a payment history when it's a charge off. Please delete this account from my report immediately. 

Lastly, XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX - I don't understand how this account can have a payment history when it's a charge off. Please delete this account from my report immediately. 

I trust that you will investigate these inaccuracies and take appropriate action to correct them as soon as possible. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation