Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: NC
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:
Dear Sir/Madam, I am writing to dispute several negative items that have been found in my credit report. Upon reviewing my credit report, I have identified several inaccuracies that are adversely affecting my credit score. I am requesting that these items be removed from my credit report immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

Firstly, the following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 

Secondly, the following personal information is incorrect : Account Number : XXXX XXXX  XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX -This address belongs to someone else. Delete it from my report immediately. 

Thirdly, the following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX -This address belongs to someone else. Delete it from my report immediately. 

Fourthly, the following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX -This address belongs to someone else. Delete it from my report immediately. 

Fifthly, the following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 

Sixthly, the following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 

Seventhly, the following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 

Eighthly, the following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 

Ninthly, the following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 

Tenthly, regarding XXXX  Account Number : XXXX - I have no recollection of ever being late with any payments. Please remove this incorrect data from my credit file immediately. 

Eleventhly, regarding XXXX  Account Number : XXXX - I have no recollection of ever being late with any payments. Please remove this incorrect data from my credit file immediately. 

Twelfthly, regarding XXXX Account Number : XXXX - I have no business relationship with this company. Please remove this unknown account from my credit report. 

Thirteenthly, regarding XXXX Account Number : XXXX - I have no business relationship with this company. Please remove this unknown account from my credit report. 

Fourteenthly, regarding XXXX XXXX XXXX XXXX Account Number : XXXX - How is it possible that this account has a payment history when it is a charge off? Please delete this account immediately. 

Fifteenthly, regarding XXXX XXXX XXXX Account Number : XXXX - How is it possible that this account has a payment history when it is a charge off? Please delete this account immediately. 

Sixteenthly, regarding XXXX XXXX XXXX XXXX  Account Number : XXXX - How is it possible that this account has a payment history when it is a charge off? Please delete this account immediately. 

I understand my rights under the FCRA and I am requesting that you investigate these inaccuracies in my credit report as soon as possible. Please provide me with a written confirmation of the removal of these items from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation