Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hope this letter finds you well. I am writing to bring to your immediate attention a matter of utmost urgency that requires your prompt intervention and resolution. The issue at hand pertains to multiple incorrect accounts that continue to be reported on my credit report despite numerous attempts to have them removed. 

The incorrect accounts in question encompass still reporting in my credit file as inaccurate, such as unauthorized credit accounts, inaccurately reported debts, or any other discrepancies ]. These erroneous entries have not only adversely affected my credit score but have also caused considerable distress and inconvenience. 

I would like to outline the extensive efforts I have made to address and rectify this issue : I have submitted multiple dispute requests to all three major credit bureaus Equifax, XXXX, and XXXX. These disputes have included comprehensive documentation and explanations regarding the inaccuracies, as well as evidence supporting my claims. 

Communication with Creditors : In an attempt to rectify the situation, I have also contacted the respective creditors associated with the incorrect accounts. I have provided them with all requested information and documentation to demonstrate the inaccuracies in their reporting. 

Due to the persistent nature of this issue and the damage it has caused to my financial profile, I have sought legal counsel to ensure that my rights as a consumer are protected. 

Despite the aforementioned efforts and the considerable time and resources expended in addressing this matter, I am appalled to observe that the incorrect accounts remain on my credit report. This situation is causing substantial harm to my financial stability and overall well-being. 

I implore you to treat this issue with the utmost urgency and priority. It is imperative that you conduct a thorough investigation into the inaccuracies, promptly remove the incorrect accounts from my credit report, and provide me with written confirmation of their removal. Additionally, I request that you review and enhance your internal processes to prevent similar occurrences in the future. 

Failure to address and rectify this matter expediently could compel me to explore all available legal avenues to safeguard my rights and seek redress for the damages incurred. I believe that immediate resolution is essential for the benefit of all parties involved. 

Consider this letter both an official complaint and a formal request for urgent action. I am pleased for you to help me remove the following accounts : XXXX XXXX XXXX  Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

XXXX XXXX XXXX Balance Owed : {$2900.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX Balance Owed : {$160.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX Balance Owed : {$560.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

Company response to consumer: Closed with non-monetary relief