Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I previously requested an investigation for accounts showing on all three of my credit bureaus that were inaccurate, incorrect, or not showing consistent on all 3 reporting agencies. I am now requesting a reasonable re-investigation of the following data that appears on my credit report. 
In XX/XX/2022, your company responded and stated that the data which appears below is verifiable and therefore can not be deleted. When I disputed these records with the credit bureaus, they stated the information was verified. I request that you provide the method of verification used to verify disputed items, Including supporting documentation, and list of all family members/friends and acquaintances you interviewed to verify the inaccurate information. This is my request and right under FCRA 611. 
I further request you act within the time limits as stated by the FCRA, delete the data which appears on my credit report and pay me {$1000.00} per account for the damages this is causing my reputation and the irrefutable damage of multiple denial, and increased auto insurance from having the inaccuracies shared. 

Disputed Information 1. 
Original Creditor is unknown - Acct Name : XXXX, Acct # : XXXX ; Acct Name : XXXX Acct # : XXXX. 
REASON FOR DISPUTE : Date Opened, Last Reported, Date last Active and Date of Last Payment are not consistent, accurate or corrected. Remove this item. ( see attached credit report ) Action Requested : Delete 2. 
Original Creditor is - Unknown - Acct Name : XXXX, XXXX XXXX XXXX , Acct # : XXXX ; REASON FOR DISPUTE : Date Opened, Balance, High Credit, Past Due, Last Reported, Date Last Active and Date of Last Payment are not consistent, accurate or corrected. Remove this item. ( see attached credit report ) Action Requested : Delete 3. 
Original creditor is Unknown - Acct Name : XXXX XXXX XXXX, Acct # : XXXX. REASON FOR DISPUTE : Account appears to have been reaged? Date Opened, High Credit, Credit Limit, Last Reported, Date Last Active and Date of Last Payment are not consistent, accurate or corrected. Remove this item. ( see attached credit report ) Action Requested : Delete 4. 
Original creditor is XXXX XXXX - Acct Name : XXXX XXXX XXXX XXXX XXXX, Acct # : XXXX ; Acct Name : XXXX, Acct # : XXXX, Acct Name : XXXX XXXX XXXX XXXX , Acct # : XXXX ; Acct Name : XXXX XXXX XXXX, Acct # : XXXX. THIS ACCT SHOWS MULTIPLE TIMES AS IF A DIFFERENT ACCT. 
REASON FOR DISPUTE : Account appears to have been reaged? Date Opened, Date Last Active and Date of Last Payment are not consistent, accurate or corrected. Remove this item. ( see attached credit report ) Action Requested : Delete 5. 
Original creditor is XXXX XXXX XXXX XXXX XXXX Acct Name : XXXX XXXX, Acct # : XXXX. THIS ACCT SHOWS MULTIPLE TIMES AS IF A DIFFERENT ACCT. 
REASON FOR DISPUTE : Date Opened, High Credit, Last Date Reported, Date Last Active and Date of Last Payment are not consistent, accurate or corrected. Remove this item. ( see attached credit report ) Action Requested : Delete 6. 
Original Creditor is XXXX XXXX- Acct Name : XXXX, Acct # : XXXX ; Acct Name : FXXXX XXXX XXXX XXXX, Acct # : XXXX. THIS ACCT SHOWS MULTIPLE TIMES AS IF A DIFFERENT ACCT. 
REASON FOR DISPUTE : Date Opened, Last Date Reported, Date Last Active are not consistent, accurate or corrected. Remove this item. ( see attached credit report ) Action Requested : Delete 7. 
Type of Account : XXXX XXXX XXXX Public Record : Ref Number : XXXX Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect REASON FOR DISPUTE : Date filed/Reported, and Closing Date are not consistent, accurate or corrected. Remove this item. ( see attached credit report ) Action Requested : Delete I have enclosed the following documentation to support this request : State ID, Social security card, and XXXX  Credit Report.

Company response to consumer: Closed with explanation