Consumer complaint received 2016-06-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
LETTER TO ALL XXXX CREDIT BUREAUS XXXX, EQUFAX, XXXX XX/XX/XXXX Re : According to the FAIR CREDIT ACT PLEASE ADHERE. Please address ALL XXXX issues below. Thank You 1. Please remove these XXXX accounts completely from my NEGITIVE ACCOUNTS [ also any others you still have. I have addressed ALL on my reports before ] from my credit report [ XXXX XXXX XXXX and XXXX ]. Each of the XXXX has removed XXXX but not the other. So that ALL three have the same information to remove. I have enclosed or attached a copy of my second and final request to each credit agency and primary alleged debt owner. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Placed for Collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1100.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$1100.00} Original Creditor : XXXX XXXX XXXX XXXX ( XXXX XXXX ) Past Due : XXXX {$1100.00} XXXX Pay Status : XXXX In Collection XXXX Remarks : ACCT INFO DISPUTED BY CONSUMR XXXX PLACED FOR COLLECTION XXXX Estimated month and year that this item will be removed : XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX {$240.00} XXXX/XXXX/XXXX {$240.00} CHARGE-OFF XXXX XXXX XXXX XXXX , XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : CHARGE-OFF 2.inquires. Please Delete ALL HARD INQUIRES THAT HAVE AN EFFECT ON MY CREDIT SCORE. 
" In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the BELOW address. 
If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at information below. 

3.Please Add XXXX to my GOOD / POSITIVE credit for a much higher score. 

4. Raise credit score. After removing the above items from my reports and adding any and all positive accounts. Please re-evaluate and increase my credit score. From what has been explained from talking to your services my score SHOULD BE IN THE HIGH XXXX. Please revise ASAP. 

XXXX XXXX XXXX SS. NO. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEND ANY MAILINGS TO : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX Please find enclosed or attached A COPY OF ONE OF THE LETTERS SENT TO BOTH CREDITORS ABOVE. THE ORIGINAL XX/XX/XXXX AND XXXX SENT XX/XX/XXXX. NEITHER OF WHICH WAS ANSWERED AS REQUESTED. SO BY LAW THEY NEED TO BE ERASED REMOVED AND TAKEN OFF MY CREDIT REPORT ASAP. JUST BECAUSE OF THE LENGTH OF EACH LETTER I HAVE ONLY ENCLOSED ATTACHED ONE, HOWEVER I CAN PRODUCE THE OTHER OR ANY OTHERS UPON REQUEST. THESE WERE SENT TO ALL ORIGINALLY NEGITIVE CREDITORS ON MY FILE. ALL OTHER HAVE REMOVED AS REQUESTED.IF ANY OTHER I HAVE NOT ADDRESSED STILL APPEAR ON MY CREDIT PLEAS ADVISE SO I CAN ADDRESS. 
PLEASE NOTE XXXX PART OF THE XXXX PART LETTER REQUESTING ALLEGED DEBT BE CONFIRMED IN A SPECIFIC MANNER AS OUTLINED IN LETTER. NIETHER OF THEM DID. 

THANK YOU. XXXX XXXX XXXX

Company response to consumer: Closed with explanation