Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: NC
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, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report that are violating my rights under the Fair Credit Reporting Act ( FCRA ). These inaccuracies are affecting my credit score and my ability to obtain credit, and I kindly request that you investigate these matters and remove the incorrect information from my credit report as soon as possible. 

Specifically, I would like to request the removal of the following items : XXXX  XXXX bankruptcy discharged Case Number : XXXX According to the FCRA, inaccurate information on my credit report must be promptly corrected or deleted. As this account has been discharged, it should not be reported on my credit report, and its continued reporting is in violation of the FCRA. 

XXXX XXXX Account Number : XXXX The FCRA requires that any information reported on my credit report must be accurate and complete. However, the same incorrect information regarding late payments is being reported on this account even though it has not been updated. 

XXXX XXXX XXXX Account Number : XXXX Similarly, the same incorrect information regarding late payments is being reported on this account even though it has not been updated. This violates my rights under the FCRA. 

XXXX XXXX Account Number : XXXX Once again, the same incorrect information regarding late payments is being reported on this account even though it has not been updated. This is a violation of the FCRA. 

XXXX XXXX XXXX Account Number : XXXX I would like to remind you that the FCRA requires that information on my credit report must be accurate, relevant, and timely. However, the same incorrect information regarding late payments is being reported on this account even though it has not been updated. 

XXXX Account Number : XXXX The FCRA also requires that information reported on my credit report must be based on reliable sources. However, the same incorrect information regarding late payments is being reported on this account even though it has not been updated. 

XXXX XXXX XXXX Account Number : XXXX The same incorrect information regarding late payments is being reported on this account even though it has not been updated. This is a violation of my rights under the FCRA. 

XXXX XXXX Account Number : XXXX I would like to remind you that the FCRA requires that information on my credit report must be accurate, relevant, and timely. However, I have never had any business relationship with XXXX XXXX, and the inclusion of this account on my credit report is in violation of the FCRA. 

In light of these violations of the FCRA, I kindly request that you investigate these matters and remove the inaccurate information from my credit report as soon as possible. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation