Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information. 
XXXX Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 7. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 8. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 9. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information. 
XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 10. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 11. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information. 
XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. I request/require this investigation to include the following : 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 

2.What certified documents were reviewed to conclude your investigation? 

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 

4.What did it cost your company to obtain the documents needed to complete your investigation? 

5.Please provide proof of your timely procurement of certified documents. 



6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 

7.If yes to above : a.Who did you speak to? 

b.On what date? 

c.How long was the conversation? 

d.What was their position? 

e.What telephone number did you call? 

f. What is the name of the employee of your company that spoke directly to the above party? 

g.What is the position of the employee of your company that spoke directly to the above party? 

h.How long has that employee been employed by your company? 

i.What formal training was provided to this employee to investigate items of this kind? 

j.Was there any e-mail or written communication between members of your company and the above party? 

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation