Consumer complaint received 2019-11-28
Company: EQUIFAX, INC.
State: FL
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/2019 XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX FL XXXX XXXX  DISPUTE FRAUD DEPT PO Box XXXX XXXX, TX XXXX Suppression Request To Whom It May Concern : I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit  Reporting Act. 
XXXX XXXX XXXX | XXXX Under investigation from previous dispute Balance $ XXXXActual Payment Amount - Date of Last Payment XXXXPast Due Amount $ XXXXAccount Status CHARGE - OFF XXXX   XXXX XXXX  XXXX | XXXX Under investigation from previous dispute Balance $ XXXXActual Payment Amount - Date of Last Payment XXXXPast Due Amount $ XXXXAccount Status CHARGE - OFF XXXX   XXXX | XXXX Under investigation fr om previous dispute Balance $ XXXXActual Payment Amount - Date of Last Payment XXXXPast Due Amount $ XXXXAccount Status CHARGE - OFF XXXX XXXX XXXX | XXXX Under investigation from previous dispute Balance $ XXXXXXXXActual Payment Amount - Date of Last Payment XXXXPast Due Amount $ XXXXAccount Status CHARGE - OFF XXXX XXXX, XXXX  | Date of Inquiry XXXX XX/XX/2019 XXXX XXXX XXXX | XXXX Dispute this Account Owner Individual Account.Original Creditor XXXX XXXX XXXX XXXX Date Reported XXXXDate Assigned XX/XX/XXXXAccount Status D - Unpaid Supporting documents are enclosed with this letter. Please let me know if any additional information is needed. Furthermore, when you accept this request, please send the notifications required by the FCRA to all furnishers of the blocked information. 
Sincerely, XXXX I XXXX The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).

General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).

I am requesting that the item ( s ) be removed to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you. Sincerely

Company response to consumer: Closed with explanation