Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: FL
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:
Dear to whom it may concern, My name is **XXXX XXXX** XXXX I have been trying to report inaccurate account in my credit report for a year and The credit bureau always avoid their responsible to review my report by any excuses and tactic they can make. I want a real person who really have authority and responsible to review these incorrect account in the time frame of 30 days according to Fair Credit Reporting Act. 
**Addresses reported** XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX These addresses are either incorrect or no longer belong to me. I have attached proofs of my current and accurate address. Please delete them as they have a high risk of causing negative impact to my credit report. 
**EMPLOYMENT INFO** XXXX XXXX XXXX This information is incorrect. This employment have no relationship to our business. So please remove them off my credit report. 
**Credit Card** XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be $ XXXX monthly payment on a closed account. Delete it immediately. 
XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX How can there be $ XXXX   monthly payment on a closed and charge-off account. This account have to be deleted off my credit report. It is obviously a inaccurate and there is no need to reinvestigate. 
**Hard Inquiries** _XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX Inquiry : XXXX XXXX, XXXX Unverified _XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING their contact information _XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX account. Delete immediately XXXX  XXXX Inquiry : XXXX XXXX, XXXX Auto Financing Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING their contact information _XXXX XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX This account is not mine. Please delete it _XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 
This account is unauthorized inquiry and DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING their contact information XXXX  XXXX Inquiry : XXXX XXXX, XXXX Auto Financing Contact the inquirer : MAIL ONLY DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING their contact information _XXXX XXXX   Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING their contact information. 
XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX Institution Information DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING their contact information _XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING their contact information XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING their contact information **Collection** _XXXX XXXX Reported : XXXX. XXXX, XXXX This collection is not mine, I never have any financial obligation with this company. Please delete it!! 
_XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
_XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed _XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX {$210.00} Needs Attention This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$210.00} Needs Attention This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed _XXXX XXXX   XXXX Reported : XXXX. XXXX, XXXX {$530.00} Needs Attention This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1500.00} Needs Attention This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$740.00} Needs Attention This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$530.00} Needs Attention This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed _XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX {$1500.00} Needs Attention Where is the original contract, application or other proofs which shows my consent and signature? Who is the person you receipt this information from. What was your method of verification? Using electronic response is not an acceptable proof and must be verified itself. This collection does not belong to me and the creditor or collection agency does not have any sign contact with me or my information. I demand removal of this account immediately. 
XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX {$740.00} Needs Attention Where is the original contract, application or other proofs which shows my consent and signature? Who is the person you receipt this information from. What was your method of verification? Using electronic response is not an acceptable proof and must be verified itself. This collection does not belong to me and the creditor or collection agency does not have any sign contact with me or my information. I demand removal of this account immediately. 
As you may aware of the FCRA [ 15 U.S.C. 1681d ] ( a ) Disclosure of investigative consumer reports I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. I have never receipted any writing mailed or even a notice about these collection. They are intentionally placed in my account for making me pay for the money that I never owned.

Company response to consumer: Closed with explanation