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, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). These items have had a significant negative impact on my credit score and I believe they are inaccurate. I request that you investigate these items and remove them immediately from my credit file. 

XXXX XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX XXXX - Account Number : XXXX I do not recognize this account, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX COLORADO XXXX UNIVERSITY - Account Number : XXXX I am surprised to see that you have verified this account when other bureaus could not. This inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX XXXX - Account Number : XXXX I am surprised to see that you have verified this account when other bureaus could not. This inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

I kindly request that you investigate these items and remove them from my credit report as soon as possible, as per my rights under the FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation