Consumer complaint received 2023-03-15
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 several negative items on my credit report that are affecting my credit score. Specifically, I would like to contest the following unauthorized inquiries and accounts : Unauthorized Inquiries : XXXX XXXX XXXX XXXXXXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX  - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX Unknown Accounts : XXXX. XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX  - Account Number : XXXX Account Number : XXXX As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. The above unauthorized inquiries and unknown accounts have negatively impacted my credit score, and I request that they be removed from my credit report as soon as possible. 

Section 611 ( a ) ( 1 ) of the FCRA requires credit reporting agencies to provide consumers with a free copy of their credit report once every 12 months upon request. I request that you send me a copy of my credit report that includes all the disputed items.

Section 611 ( a ) ( 5 ) of the FCRA requires credit reporting agencies to investigate any disputed item within 30 days of receiving a dispute. I urge you to investigate the above disputed items within the given time frame and provide me with a written response of the investigation 's results. 

If the disputed items are found to be inaccurate or unverifiable, I request that you delete them from my credit report, as per Section 611 ( a ) ( 5 ) ( A ) of the FCRA.

I also request that you provide me with a written confirmation of the deletion of any disputed item from my credit report, as per Section 611 ( a ) ( 2 ) of the FCRA. 

I appreciate your attention to this matter and look forward to receiving a prompt response from you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation