Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I SENT MY LETTER OFF I TOLD THE CREDIT BUREAU To " investigate evert piece of information '' on the accounts I have listed below The tracking number was XXXX and I will also attach letter sent to them. According to the FRCA The Term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated the my accounts were " updated and verified '' but how is that possible if they did not do a proper investigation according to the law. ALSO these accounts ain't reporting one hundred percent accurate and according to the FRCA 15 USC 1681 everything has to be one hundred percent Accurate ACCOUNTS : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$0.00}. This account is incorrectly reporting that I have 11 late payments. On my XXXX report there are 1 late payments being reported. 
XXXX XXXX  account with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$1100.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX Auto Loan with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$0.00}. I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. XXXX Auto Loan with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$6300.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.

Company response to consumer: Closed with explanation