Consumer complaint received 2023-07-22
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute and address several inaccuracies in my credit report that are not only damaging my creditworthiness but also potentially violating various consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 



Below are the specific details of the inaccurate information and the potential violations : Inaccurate Account Information : a. XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Incorrect Personal Information : Account Number : XXXX XXXX XXXX - This is not my name. Delete it immediately from my report. 



Incorrect Address Information : Account Number : XXXX XXXX XXXX # XXXX XXXX, WI XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 

po box XXXX XXXX, IL XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 



Inaccurate Account Information : a. XXXX XXXX Account Number : XXXX b. XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report IMMEDIATELY! 



Inaccurate Account Information : XXXX Account Number : XXXX The aforementioned inaccuracies in my credit report are causing severe harm to my creditworthiness and financial standing, which is a clear violation of the FCRA. Under FCRA 611, you are required to conduct a reasonable investigation within 30 days of receiving a dispute and correct any inaccuracies found during the investigation.Furthermore, the reporting of inaccurate information by the creditors, as well as the failure to conduct a proper investigation, may be a violation of the FACTA, which amends the FCRA to enhance consumer protections. Additionally, the inclusion of incorrect personal and address information is a violation of the FCRA 's accuracy and integrity requirements ( FCRA 607 ( b ) ) .Moreover, the unauthorized inquiry from KOHLS/CAPONE may be a violation of the FCRA 604, which requires permissible purpose for inquiries and investigations into a consumer 's credit report. 



The inaccurate information provided by the creditors and your failure to correct these errors promptly may also be a violation of the FDCPA, which prohibits debt collectors from using false or misleading representations and unfair practices.

The reporting of incorrect account information without conducting a thorough investigation may also be a violation of the TILA, RESPA, ECOA, and FCBA, which all promote fair and accurate credit reporting and billing practices.

In light of the potential violations of these consumer protection laws, I demand that you : Conduct a thorough and timely investigation into the disputed accounts and inaccuracies in my credit report, as required by FCRA 611.

Correct any errors found during the investigation, including the removal of any late payment remarks and incorrect personal and address information. 



Remove the unauthorized inquiry from XXXX from my credit report, as it was not initiated or authorized by me. 



Provide me with a written explanation of the results of the investigation and the actions taken to rectify the inaccuracies within the specified timeframe. 



Please be aware that I am aware of my rights under the aforementioned consumer protection laws, and any non-compliance will be reported to the appropriate regulatory authorities. 

I expect your immediate attention to this matter and a prompt resolution to the reported violations. 





Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation