Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: NJ
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, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I disagree with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies have resulted in many inconveniences. 
I have not been able to apply for various loans. 
The items below I have disputed and none of the data furnishers have provided me any scope of the " socalled '' investigations as required by 1681s-2 ( b ) and it has already passed the legal time from of 30 days to do so. ] had disputed several items that do not belong to me to XXXX, Equifax, and XXXX and I also included all proper and required identification such as my drivers license, social security card, and proof of address and yet the bureaus have been using " stall tactics '' to delay my disputes and or not give me the proper fairness of the FCRA. On XX/XX/XXXX the bureaus sent me a letter requesting that I send them my social, drivers license, and proof of address saying that they " Can not " help me but I know this is just a stall tactic they are using because I have proof and transmission receipts from CFPB including my drivers license, my social security card, and my proof of address VIOLATIONS OF CREDITORS & XXXX, EQUIFAX & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report.

VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C.

1681h ] All of the creditors do not have Records of my proper identification. 
CREDITORS AND ACCOUNTS TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX. The inquiry was not authorized CORELOGIC Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
7. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
8. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
9. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
10. XXXX XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
11. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
12. XXXX XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
13. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
14. XXXX XXXX  XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
15. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
Please verified these accounts pretty fast also I am expecting these accounts removed in thirty days and send me an updated copy of my credit report once you have done so! 
Sincerely, _____________________________________ XXXX XXXX

Company response to consumer: Closed with explanation