Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: IN
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, I requested to have my consumer report investigated for 100 % accuracy and to make sure everything was reported correctly. I am contacting you because Equifax claimed to have completed a reasonable investigative consumer report with the furnisher of the information and the accounts listed below as reporting 100 % accurate, but how is that possible if the opening dates are inaccurate, the dates last active are inaccurate, balances are inaccurate, and the dates last reported are not accurate. This is grounds for removal. According to 15 U.S.Code 1681a ( e ), you did not complete a reasonable investigation.

Therefore, these accounts are STILL inaccurate, and Equifax is STILL continuing to report errors on my consumer file, which is causing damage to my credit score. You are also continuing to violate my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have not given Equifax, nor any other consumer reporting agency written instructions to furnish these accounts in my consumer report. 

Account Name : XXXX XXXX Account XXXX : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report. 

Account Name : DPT EDXXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report. 

Account Name : DPT EDXXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report. 

Account Name : DPT ED/XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report. 

Account Name : XXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report. 

Account Name : DPT EDXXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report. 

Account Name : DPT EDXXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report. 

Account Name : DPT EDXXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report. 

Account Name : DPT EDXXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report. 

Account Name : DPT EDXXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report. 

Account Name : DPT ED/XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report. 

Account Name : XXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report. 

Account XXXX : XXXX Account XXXX : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report. 

Account Name : XXXX FCU Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report. 

Account XXXX : XXXX Account XXXX : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report. 

Account Name : XXXX  Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report. 

Account Name : XXXX  Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report. 

Account Name : XXXX  Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report. 

Account Name : XXXX  Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report. 

Account XXXX : XXXX Account XXXX : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report. 

Account Name : XXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report. 

Account XXXX : XXXX Account XXXX : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report. 

Also, I found some addresses that appear to be incorrect. I've enclosed documentation, providing proof of my current address and full legal name. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There should only be one address listed on my report, which is XXXX XXXX XXXX # XXXX XXXX XXXX, IN XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling and current address. Once again, to make the process of deletion easier, here are the incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX There should only be one name on my consumer report, which is XXXX XXXX XXXX ( not in all capital letters, I am not a corporation, I'm a living human being, a natural person ). Please remove inaccurate employers as well, listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation