Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax : I pulled my credit report and noticed that there are items that are not right. 

I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX, Note : HARD Inquiry - XXXX, Date : XXXX  I doubt this is correct, please remove it. 

Inquiry from XXXX XXXX XXXX XXXX, Note : HARD Inquiry - XXXX, Date : XXXX  I doubt this is correct, please remove it. 

Inquiry from XXXX, Note : HARD Inquiry - XXXX Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX, Note : HARD Inquiry - XXXX Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX, Note : HARD Inquiry - XXXX, Date : XXXX  I doubt this is correct, please remove it. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX XXXX XXXX XXXX  ) Date Opened : XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

Account : XXXX XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX This account was settled but its still showing a balance, please remove it. 

Account XXXX XXXX XXXX XXXXXXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

Account : XXXX XXXX XXXX XXXX ( XXXX ) Date Opened XXXX XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

Account : XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XXXX  Balance : XXXX This account was paid in full ( never settled ), so its wrong, please remove it. 

Account : XXXX XXXX XXXX XXXX ( XXXX ) Date Opened : XXXX  Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

Account : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Date Opened : XXXX Balance : XXXX I have no knowledge of this account, please remove it. 

Account : XXXXXXXX XXXX XXXX XXXXXXXX ) Date Opened XXXX XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Sincerely, XXXX, XXXX Authorized Representative on Behalf of XXXX XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation