Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: PA
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:
Subject : Dispute of Inaccurate Information on Credit Report Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concern regarding the completeness and accuracy of the information contained in my credit report, as mandated by 15 USC 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/2023, I acquired a copy of my credit report from Equifax, XXXX and XXXX. Upon reviewing the report, I noticed several discrepancies and inaccuracies that require immediate attention. In accordance with my rights under 15 USC 1681i ( 5 ), I have already requested the credit reporting agency to conduct a thorough reinvestigation into these matters. 
I have taken the following steps to address the inaccuracies on my credit report : Obtained my credit report : I acquired a copy of my credit report from Equifax, XXXX, and XXXX. 
Reviewed the report : I carefully examined the credit report, thoroughly analyzing each section and account details. 
Identified discrepancies : I discovered several instances of inaccurate and incomplete information in my credit report. The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit report, provide specific details of the errors you found, such as incorrect account balances, and outdated personal information. 
Disputed the information : I promptly submitted a written dispute to Equifax, XXXX and XXXX on XX/XX/2023. In my dispute, I clearly outlined the inaccuracies and attached all relevant supporting documentation to substantiate my claims. 
I kindly request your assistance in ensuring that the credit reporting agency complies with the provisions outlined in the FCRA. Specifically, I would appreciate your oversight to ensure that the credit reporting agency conducts a reasonable reinvestigation within the 30-day timeframe, as required by 15 USC 1681i ( 5 ). Furthermore, I would like to request that you monitor the resolution of this dispute to ensure its accuracy and fairness. 
Enclosed with this letter, please find copies of my credit report, the dispute letter I sent to the credit reporting agency, and all supporting documentation related to the inaccuracies identified. These documents will provide you with a comprehensive overview of the situation and assist in your investigation. 
I genuinely believe in the importance of accurate credit reporting, and I am committed to resolving these discrepancies. I appreciate your attention to this matter and look forward to your assistance in rectifying the inaccuracies on my credit report. If there are any additional steps or information required from my end, please do not hesitate to contact me. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation