Consumer complaint received 2020-08-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX SSN : XXXX DOB : XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # 1 : I dispute XXXX - XXXX, this is not mines. I have attached ID Theft form. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 
Item # 2 : I dispute XXXX Reported balance {$3500.00} this account is more than 7 years old and should be deleted. Please delete this account. 
Item # 3 : I dispute I dispute XXXX Reported balance {$26000.00} this account is more than 7 years old and should be deleted. Please delete this account. 
Item # 4 : XXXX Reported balance {$4900.00} this account is more than 7 years old and should be deleted. Please delete this account. 
Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX   Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX   XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXXXXXX Inquiry from XXXX XXXXXXXX, XXXX + Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation