Consumer complaint received 2023-01-27
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 XXXX New York XXXX XXXX of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re XXXX This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX -This address belongs to someone else. Delete it from my report immediately. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX -This address belongs to someone else. Delete it from my report immediately. 

XXXX. The following personal information is incorrect Account XXXX : EmployeXXXX XXXX XXXX XXXX XXXXhis Employer is not correct. Delete it immediately from my report. 

XXXX. XXXX XXXX Account XXXX : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

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. 

XXXX. Validate Account 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. 

XXXX. The following personal information is incorrect Account XXXX : Employers : XXXXXXXX XXXX XXXXThis Employer is not correct. Delete it immediately from my report. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX -This address belongs to someone else. Delete it from my report immediately. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -This address belongs to someone else. Delete it from my report immediately. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX -This address belongs to someone else. Delete it from my report immediately. 

XXXX. The following personal information is incorrect Account XXXX : Employers : XXXXXXXX XXXX  -This Employer is not correct. Delete it immediately from my report. 

XXXX XXXX XXXXXXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA XXXX Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section XXXX ( a ) ( XXXX ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your XXXX of XXXX. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : SS # : XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation