Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: CA
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:
XXXX Incorrect personal Information Name : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX  = I received by updated credit report but still the Incorrect names are still not deleted. 

Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX = These incorrect addresses needs to be updated or remove from my credit file. 

late Close : XXXX XXXX XXXX Balance : {$0.00} ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX =I believe these accounts are reporting inaccurately. I do not recall ever having a legal obligation with these company nor do I believe one exists. Please provide me verifiable proof this accounts belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 


Charge off : XXXX XXXX XXXX Balance : {$0.00} =You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

Collection : XXXX XXXX Balance : {$93.00} XXXX XXXX Balance : {$0.00} PORTFOLIO XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$480.00} =I would like you to review the date this collection was first assigned and the date of the last activity. I don't think this collection is 100 % accurate, please remove these items immediately. 


Inquiries : XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX =These inquiries does not make sense to me, I can not remember it, so please remove it immediately EXPERIAN Incorrect personal Information Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX = I received by updated credit report but still the Incorrect names are still not deleted. 


Addresses : XXXX XXXX XXXX # XXXX XXXX, CA XXXX XX/XX/XXXX XXXX Mission XXXX XXXX APT XXXX XXXX XXXX, CA XXXX XX/XX/XXXX = These incorrect addresses needs to be updated or remove from my credit file. 

late Close : XXXX XXXX XXXX Balance : {$0.00} ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX =I see things XXXX be inaccurate. Start looking at the account name, account balance, and high balance. I believe this information may be inaccurate. This needs to be removed now. 


Charge off : XXXX XXXX XXXX Balance : {$0.00} =You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 


Collection : XXXX XXXX Balance : {$93.00} XXXX XXXX Balance : {$0.00} PORTFOLIO XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} =These accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST delete this immediately Inquiries : CREDIT XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX =Take a look at the inquiries and verify the date and the name of the creditor. I think these may be a mistake and if what I assume is right then I believe you should delete these from my credit report. 


EQUIFAX Name : XXXX XXXX XXXX is not my legal/correct name. Please validate and delete this inaccurate name immediately. 


Addresses : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX =These is not my home address. Please verify and delete immediately. 

Collection : XXXX XXXX Balance : {$93.00} =Under the FCRA , I request an investigation on the responsibility and the amount of this collection. Please discard this collection for FCRA violations because I do not think it is 100 % accurate. 


Inquires : 1 XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX =While looking at these inquiries I think there may be something wrong with the name or company that this report is providing, verify and correct this ASAP.

Company response to consumer: Closed with explanation