Consumer complaint received 2021-04-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : The following personal information is incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX The following personal information is incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX The following personal information is incorrect Address ( es ) : XXXX XXXX XXXXXX/XX/XXXX, NC XXXX XX/XX/XXXX The following personal information is incorrect Employers : XXXX XX/XX/XXXXThe following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXX, NC, The following personal information is incorrect Employers : XXXX XXXX ->> PLEASE REMOVE THESE ADDRESSES AND EMPLOYMENT INFORMATION BELOW AS THEY DO NOT BELONG TO ME AND THE INACCURATE INFORMATION BELOW IS PREVENTING ME FROM OBTAINING CREDIT I BELIEVE IT MAY BELONG TO SOMEBODY THAT HAS A SIMILAR NAME AND ADDRESS UNVERIFIED XX/XX/XXXX Account Number : XXXX This collection account doesnt belong to me and the creditor has failed to provide my billing statement on this account. This account has never been verified as my request in the previous dispute. There has never been any scope of investigation sent to me in writing as required by law and any previous investigation that weve filed with C.F.P.B ( Consumer Protection Bureaus ) and all the Bureaus : XX/XX/XXXX, Equifax & XX/XX/XXXX has proven this as Consumer Protection Bureaus has no record of any scope of investigation in any open complaint. This account is 100 % INACCURATE. I want CFPB to exercise my EQUITY to remove this account as its my right underneath Fair Credit Report Act. I need this to be done within three days as this inaccurate reporting has damaged my ability to refinance my loan which put my family at an extra risk of property during the top time of COVID-19. I have a wife and kid to support. I have done everything on my credit to make sure its up to far. However, Ive not corporation with the creditors or bureaus. So Im forced to file these complaints and pray that the CFPB follow the rule of law to help me. 

The following account is outdated and already being transferred to another lender. However, Equifax is showing inconsistent payment history of 60 days late 1 time ( s ) while my payment on XXXX and XXXX  are consistently on time. 
XXXX XXXX  Account Number : XXXX It's an error to report 60 days late payment 1 time ( s ). I demand all the late payments be removed and reported as on time to prevent civil litigation with the creditors for inaccurately reporting. All the information needs to be reported consistently on all three Bureaus. This account has dramatically lowered my credit score which has prevented me from obtaining proper financing. 

UNVERIFIED. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

I have enclosed a copy of my driver 's license and utility bill as proof of identity. 

Sincerely yours, ______________________________________ XXXX XXXX

Company response to consumer: Closed with explanation