Consumer complaint received 2019-08-13
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: Investigation took more than 30 days

Complaint:
IN RESPONSE TO CFPB : XXXX THIS IS NOTICE THAT IT HAS BEEN MORE THAN 30 DAYS THAT YOU HAVE NOT RESPONDED TO MY COMPLAINT. PER FCRA CREDIT REPORTING ACT YOU HAVE TO DELETE THE ACCOUNT REQUESTED IF THERE HAS BEEN NO RESPONSE WITHIN 30 DAYS. NOTED MY INITIAL REQUEST WAS SENT THROUGH THE CFPB ON XX/XX/XXXX AND TODAYS IS XX/XX/XXXX. I HAVE GIVEN PLENTY OF TIME TO DISPUTE THE REQUESTED ITEM PLEASE REMOVE FROM MY CREDIT REPORT OR I WILL HAVE TO PURSUE FURTHER LEGAL ACTION. 
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX. # XXXX XXXX, TX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX AND CREDIT INQUIRIES ARE NOT MINE XXXX  XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Sales Financing ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Automobile Dealers, Old ( XXXX ) XXXX XXXX   XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto  Financing  XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Sales Financing ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + National Credit Card  Cos. 
( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent  information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX. # XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation