Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction with the way my previous attempts to remove fraudulent items from my credit report have been handled. I believe it is my right to have an accurate and error-free credit report, and I have made diligent efforts to address and rectify the fraudulent information that is negatively impacting my creditworthiness. 

I first discovered fraudulent items on my credit report when I obtained a copy from your agency. These items include [ list specific fraudulent items, such as unauthorized accounts, identity theft, etc. ], which I have never authorized or had any association with. It is crucial to note that these fraudulent entries have severely affected my credit score and have led to adverse financial consequences. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I promptly initiated a dispute with your agency, providing all the necessary documentation and evidence to prove that these items were indeed fraudulent. I expected a timely and thorough investigation into these disputes, with the ultimate goal of removing them from my credit report to restore its accuracy.

However, despite my diligent efforts and the provision of supporting documentation, I have received no resolution or response from your agency within the 30-day investigation period mandated by the FCRA. This lack of response not only violates my rights as a consumer but also exacerbates the financial harm I am experiencing due to these fraudulent entries. 

Due to the lack of action on your part, I have had to escalate my disputes by sending multiple letters and documents related to the fraudulent items. Regrettably, my additional attempts have also been met with silence and inaction. This is unacceptable and undermines the integrity of the credit reporting system. 

I insist that you take immediate action to investigate and remove the fraudulent items from my credit report, as required by the FCRA. I also request that you provide me with a written response detailing the results of your investigation and the corrective measures taken to rectify my credit report within the legally mandated timeframe. 

Failure to resolve this matter promptly will leave me with no choice but to escalate my complaint to the relevant regulatory authorities and consider legal action to safeguard my rights as a consumer. 

I have enclosed copies of all relevant documentation, including police reports, identity theft affidavits, and any other evidence supporting my claims. I expect a thorough and swift resolution to this matter to restore the accuracy of my credit report. Kindly assist me to remove the following items : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$7800.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief