Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I am a natural person writing this, not a 3rd party. I called Equifax in XXXX of XXXX  to dispute accounts : 1. Account ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) Account Number : XXXX 2. Account XXXX Account number : XXXX for inaccurately reporting on my credit report. Equifax is reporting these accounts each twice on my credit report. XXXX XXXX  XXXX account is reporting twice, and XXXX account is reporting twice. I have sent Equifax a certified letter regarding these accounts on XX/XX/2023, along with a copy of my credit report. 

The dispute letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 To Whom It May Concern, I am writing to express my deep concern over the inaccurate information that is listed on my credit report. Despite submitting multiple disputes to your bureau and contacting the creditors associated with the accounts in question, the errors have not been corrected. 

1. [ Account ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) Account Number : XXXX This account is reporting twice on my credit report. I requested that you provide breakdown of fees including how you calculated what you claim I owe. 2 Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. You failed to verify this account. Please remove this account from my credit report. 

2. Account XXXX Account number : XXXX This account is reporting twice on my credit report. This account was paid and agreed to be deleted from my credit report. 

XXXX. Account XXXX ( Original Creditor:09 XXXXXXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX This account is erroneous. I requested that you verify this account and you failed to verify it. Please remove this account from my credit report. 

As a result of this inaccurate reporting, my credit score has been severely damaged, and it is affecting my ability to obtain credit and loans at reasonable rates. This is unacceptable, and I demand that your bureau take immediate action to correct the errors on my credit report. 

Under the Fair Credit Reporting Act, it is your responsibility to ensure that the information listed on my credit report is accurate. However, your bureau has failed to fulfill this obligation, and I am now suffering the consequences. 

If your bureau does not take prompt action to correct these errors, I will have no choice bur to take legal action, I will also file a complaint with the Consumer Financial Protection Bureau and other relevant regulatory bodies. 

I am requesting that you investigate these inaccuracies and remove them from my credit report as soon as possible. Additionally, I detailed explanation of why these errors have not been corrected and what steps you will take to prevent similar errors from occurring in the future. 

I look forward to hearing back from you soon regarding this matter. Please contact me at the address listed above if you require any additional information. 

I have enclosed a copy of my credit report with the highlighted accounts. 

Sincerely, XXXX XXXX I would like these erroneous accounts deleted from my credit report. These inaccurate accounts are causes me severe damage, and it is affecting my ability to obtain credit and loans at reasonable rates and ability to obtain housing. 

Please help me and remove these accounts from my credit file.

Company response to consumer: Closed with explanation