Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: MN
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:
After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. 
Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Public Records being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discharged Personal Information for Equifax NAME : XXXX I am XXXX XXXX XXXX, and I would like you to remove any listings for me that have different spellings of my name. 
CURRENT ADDRESS : XXXX, XXXX I need you to delete any address in your system that varies from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. It will ensure the database has accurate information about me. 
XXXX  - XXXX Equifax Equifax Account XXXX XXXX XXXXXXXX High Balance : XXXX Last Verified : XXXX Date of Last Activity : XXXX Date Reported : - Date Opened : XXXX Balance Owed : XXXX Closed Date : XXXX Account Description : Dispute Status : XXXX Creditor Type : - Account Status : XXXX Payment Status : XXXX Creditor Remarks : XXXX Payment Amount : XXXX Last Payment : XXXX Term Length : XXXX Past Due Amount : XXXX Account Type : XXXX Payment Frequency : XXXX Credit Limit : XXXX 7 Year History - The inaccurate information above was never verified to be in line with official reporting standards. The information above was never confirmed to be accurate, complete, timely, or valid. You must provide proof of compliance with reporting standards and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} -- XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} -- Account Rating : XXXX Derogatory Individual Account not disputed Complete Department Stores - Clothing Closed Unknown Bankruptcy XXXX XXXX closed by credit grantor Included in bankruptcy {$0.00} XX/XX/XXXX -- {$0.00} -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation