Consumer complaint received 2023-02-24
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the negative items on my credit report from the following creditors : XXXX  XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX , XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXXXXXX , XXXX XXXX , XXXX XXXX XXXX , and XXXX XXXX . 

I believe that some of the information reported by these creditors is incorrect and does not accurately reflect my creditworthiness. Specifically, I dispute the following accounts : XXXX  XXXX XXXX : This account shows a late payment, but I have always made timely payments. 
XXXX XXXX XXXX XXXX XXXX : This account also shows a late payment, but I have never been late on any payments with this creditor. 
XXXX XXXX  XXXX XXXX : This account shows a late payment, but I have always made timely payments. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : I dispute the collection account, as I have never received any notices or communications regarding this debt. 
XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX  XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX  XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX  XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 

I request that you investigate these items and remove any inaccurate or unverified information from my credit report. Please provide me with written confirmation of the actions taken on my behalf. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation