Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing this letter to dispute several items on my credit report that are inaccurate and are negatively affecting my credit score. The following items are not accurate and must be corrected or removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX  : Account Number : XXXX - I have never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX XXXX XXXX : Account Number : XXXX- Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX XXXX : Account XXXX : XXXX - Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXXXXXX XXXX XXXX XXXX. : Account Number : XXXX - I have never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX XXXXXXXX XXXX : Account Number : XXXX- Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXXXXXX XXXX  : Account Number : XXXX- Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX  - This is not my employer. Delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX - This is not my employer. Delete it immediately from my report. 

XXXX XXXX : Account XXXX : XXXX- Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

The inquiry was not authorized : XXXXXXXX XXXX. Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

The inquiry was not authorized : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 

The inquiry was not authorized : XXXX XXXX. Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 

The inquiry was not authorized : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 

The inquiry was not authorized : Equifax Mortgage Servi. Date of inquiry : XX/XX/XXXX The inquiry was not authorized : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 

The inquiry was not authorized : XXXX XXXX. Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 

The inquiry was not authorized : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 

The inquiry was not authorized : XXXX. Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 

The inquiry was not authorized : XXXX XXXX. Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 

The inquiry was not authorized : XXXX XXXX. Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 

The inquiry was not authorized : XXXX XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 

I have attached copies of supporting documents to prove that these items are inaccurate. I request that you investigate these items and correct or remove them from my credit report as soon as possible. 

Please send me a written confirmation of the removal or correction of these items from my credit report. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation