Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: CA
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, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and damaging to my credit score. I am aware that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. The following negative information needs to be removed from my credit report : XXXX XXXX- I have no recollection of authorizing this credit pull and demand that it be removed from my report under the FCRA. 

XXXX XXXX - To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. I request that you update this account and delete the inaccurate information immediately under the FCRA. 

XXXX XXXX XXXX - To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. I request that you update this account and delete the inaccurate information immediately under the FCRA. 

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

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

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

The following personal information is incorrect - Account Number : XXXX XXXX - This is not my name. I request that you delete it immediately from my report under the FCRA. 

The following personal information is incorrect - Account Number : XXXX XXXX - This name belongs to someone else. I request that you delete it from my report immediately under the FCRA. 

The following personal information is incorrect - Account Number : XXXX - This is not my name. I request that you delete it immediately from my report under the FCRA. 

XXXX XXXX XXXX- I have no recollection of authorizing this credit pull and demand that it be removed from my report under the FCRA. 

XXXX, XXXX - I have no recollection of authorizing this credit pull and demand that it be removed from my report under the FCRA. 

XXXX  - I have no recollection of authorizing this credit pull and demand that it be removed from my report under the FCRA. 

I urge you to investigate these items and correct any errors in my credit report. As a consumer, I have the right to accurate information in my credit report, and I expect prompt action to resolve this matter and improve my credit score. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation