Consumer complaint received 2020-12-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX XXXX  Consumer Solutions XXXX. XXXX  XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Dear XXXX, Equifax and XXXX, I am writing to dispute the following information that appears on my XXXX, Equifax and XXXX  credit reports from XX/XX/XXXX : XXXX Telecommunications/Cellular with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I previously disputed this account and it was never verified by the creditor but its still on my credit report. I sent a letter to you on XX/XX/XXXX CFPB telephone complaint, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website. I requested that you send me 1. Copy of the contract that included my signature.

2. Copy of the investigations results.

3. Proof of validation.

4. Full updated copy of my credit report As of todays date, XX/XX/XXXX you have done neither! You have not sent any of the requested information. Nor have you sent me a new updated copy of my credit report. The information that is reporting is inaccurate. You are continuing to intentionally report false, inaccurate, incriminating information which is a violation of FCRA. You have failed to respond to my requests within the original 30 day timeframe. You have NOT verified any information listed regarding this account. There are several discrepancies and I am demanding that it is deleted TODAY or you will be hearing from my attorney. I have included a 3-in-1 credit reported that was pulled today on XX/XX/XXXX. If you review page 13 of 35 you will see the following : XXXX Acct # : XXXX High Balance being reported for all 3 bureaus : {$2400.00} Last Verified by XXXX  XXXX XX/XX/XXXX XXXX  -- Equifax XXXX Equifax and XXXX  were sent the exact same letters and have never responded and never investigated! 
Date of Last Activity : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Equifax XX/XX/XXXX Date Reported : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Equifax XX/XX/XXXX Date Opened : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX Balance Owed : XXXX  {$0.00} XXXX  {$0.00} Equifax {$2400.00} Closed Date : XXXX  XXXX XXXX  -- Equifax -- Account Rating : XXXX  Derogatory XXXX  Derogatory Equifax Open Account Dispute Status : XXXX  Account not disputed XXXX  Account not disputed Equifax Account disputed Creditor Type : XXXX  Utilities and Fuel Wireless XXXX Telephone Service Providers Equifax Telephone Companies Account Status : XXXX  Closed XXXX  Closed Equifax Open Payment Status : XXXX  Wage Earner Plan XXXX  Wage Earner Plan Equifax Unknown Creditor Remarks : XXXX  Chapter XXXX ; dispute of account information Unpaid balance reported as a loss by credit grantor. XXXX  Debt included in or discharged through Bankruptcy Chapter XXXX. Equifax Consumer disputes - reinvestigation in progress Consumer disputes this account information All 3 bureaus are reporting the same account but all of the information is different on each report! All of the information is inaccurate! None of the information is factual! Delete this account for consistent inaccuracies, false reporting and failure to provide a proper and timely investigation. Thank you so much in advance for your immediate attention to this matter!

Company response to consumer: Closed with explanation