Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: NY
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, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are negatively impacting my credit score. My name is XXXX XXXX and I am requesting that the following items be removed from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTACT ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 

XXXX XXXX : On XX/XX/XXXX, an inquiry was made on my credit report without my authorization. This is a violation of my rights under the FCRA and I demand that it be removed from my report. 

XXXX XXXX XXXX : On XX/XX/XXXX, an inquiry was made on my credit report without my authorization. This is a violation of my rights under the FCRA and I demand that it be removed from my report. 

XXXX XXXX : On XX/XX/XXXX, an inquiry was made on my credit report without my authorization. This is a violation of my rights under the FCRA and I demand that it be removed from my report. 

XXXX XXXX : On XX/XX/XXXX, an inquiry was made on my credit report without my authorization. This is a violation of my rights under the FCRA and I demand that it be removed from my report. 

XXXX XXXX XXXX : On XX/XX/XXXX, an inquiry was made on my credit report without my authorization. This is a violation of my rights under the FCRA and I demand that it be removed from my report. 

XXXX XXXX XXXX  XXXX : On XX/XX/XXXX, an inquiry was made on my credit report without my authorization. This is a violation of my rights under the FCRA and I demand that it be removed from my report. 

XXXX : On XX/XX/XXXX, an inquiry was made on my credit report without my authorization. This is a violation of my rights under the FCRA and I demand that it be removed from my report. 

XXXX  : On XX/XX/XXXX, an inquiry was made on my credit report without my authorization. This is a violation of my rights under the FCRA and I demand that it be removed from my report. 

XXXX : On XX/XX/XXXX, an inquiry was made on my credit report without my authorization. This is a violation of my rights under the FCRA and I demand that it be removed from my report. 

XXXX, account number : XXXX : I question the accuracy of this account 's name and number. This is a violation of my rights under the FACTACT and I demand that either the information be clarified or this account be immediately deleted from my credit report. 

XXXX XXXX, account number : XXXX : I question the accuracy of this account 's name and number. This is a violation of my rights under the FACTACT and I demand that either the information be clarified or this account be immediately deleted from my credit report. 

XXXX  XXXX XXXX : On XX/XX/XXXX, an inquiry was made on my credit report without my authorization. This is a violation of my rights under the FCRA and I demand that it be removed from my report. 

I am eager to resolve these discrepancies and request that you investigate these issues promptly in accordance with my rights under the FCRA, FDCPA, FACTACT, TILA RESPA, ECOA, and FCBA. Please provide me with written confirmation of the resolution of these disputes and a copy of my updated credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation