Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: GA
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 XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report in accordance with several federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTACT ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 

Specifically, I would like to dispute the following negative items on my credit report : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Additionally, I have found the following inquiries were not authorized and may be fraudulent : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Furthermore, there is an account on my credit report that is unfamiliar to me : XXXX XXXX XXXX Account Number : XXXX I am interested in knowing how this account was verified and associated with me, as I have no recollection of ever being associated with this company. I request that you remove this account from my credit report immediately. 

Under the FCRA, I have the right to dispute any inaccurate or incomplete information on my credit report. I also have the right to request that the credit bureau investigate the items I am disputing and provide me with a written response within 30 days. Under the FDCPA, I have the right to request that any debt collector cease communication with me until the dispute has been resolved. Under the FACTACT, I have the right to obtain a free copy of my credit report once a year from each of the major credit bureaus. Under the TILA, RESPA, XXXX, and XXXX Additionally, under the TILA, RESPA, ECOA, and FCBA, I have the right to receive disclosures regarding any credit or loan products I am applying for, including the terms and conditions, fees, and other important information. I also have the right to dispute any errors or discrepancies on my billing statements or other loan documents, and to have them corrected in a timely manner.

I would appreciate your prompt attention to this matter, as these negative items on my credit report are impacting my ability to obtain credit and other financial products. Please investigate these matters and provide me with a written response as soon as possible. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation