Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to dispute multiple items on my credit report that I believe are inaccurate and violate several federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTACT ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). 



XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX According to FCRA 611 ( a ) ( 1 ) ( A ), I have the right to dispute inaccurate information on my credit report. I have no recollection of authorizing this credit pull and demand it to be removed promptly. 



XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX FCRA 611 ( a ) ( 1 ) ( A ) grants me the right to dispute any inaccurate information on my credit report. I have no recollection of authorizing this credit pull and insist on its immediate removal. 



XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX FACTACT 312 ( b ) ( 1 ) mandates that furnishers of credit information must provide accurate and complete data. The inaccurate reporting of this account is damaging my credit, and I demand its correction in accordance with the law. 



XXXXXXXX XXXX  - Account Number : XXXX FACTACT 312 ( b ) ( 1 ) stipulates that furnishers of credit information must report accurate data. The erroneous reporting of this account is negatively impacting my credit, and I require its immediate rectification. 



The following personal information is incorrect : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Under FCRA 611 ( a ) ( 1 ) ( A ), I have the right to dispute incorrect information on my credit report. This address is not accurate, and I request its immediate removal. 



The following personal information is incorrect : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX According to FCRA 611 ( a ) ( 1 ) ( A ), I have the right to challenge inaccurate information on my credit report. This address is not correct, and I insist on its immediate deletion. 



XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX FCRA 611 ( a ) ( 1 ) ( A ) allows me to dispute any inaccurate information on my credit report. I have no recollection of authorizing this credit pull and demand it to be expunged. 



XXXX XXXX XXXX  - Account Number : XXXX TILA 1641 ( g ) requires creditors to provide accurate and timely information about accounts to credit reporting agencies. The erroneous reporting of this account is harming my credit, and I require its immediate rectification. 



XXXX - Account Number : XXXX TILA 1641 ( g ) mandates creditors to furnish accurate information to credit reporting agencies. The inaccurate reporting of this account is severely affecting my credit score, and I urge you to rectify it promptly. 



I remind you that under FCRA 611 ( a ) ( 5 ) ( A ), you are required to conduct a reasonable investigation into these disputes. I expect a prompt response within 30 days, outlining the actions you will take to address these issues. Please provide me with an updated and accurate credit report once the necessary corrections have been made. 



Furthermore, any continued violation of the FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA may result in legal action being taken against your agency.

Thank you for your prompt attention to this matter. I look forward to receiving a satisfactory resolution to these disputes and a corrected credit report. Feel free to contact me if you need any additional information. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation