Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found in my credit report. After reviewing my report, I have identified several inaccuracies that need to be addressed immediately. 

Firstly, the following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX - This address is not correct. I request that you delete it from my report immediately. 

Secondly, the following personal information is also incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX - This address is not correct. Please remove it from my report without delay. 

Thirdly, the following personal information is incorrect : Account Number : XXXX XXXX XXXX - This is not my employer. I demand that you delete it from my report immediately. 

Fourthly, the following personal information is incorrect : Account Number : XXXX XXXX - This is not my employer. I request that you delete it from my report immediately. 

Fifthly, XXXX XXXX Account Number : XXXX - I don't understand how this account can have a payment history when it's a charge off. Please delete this account from my report immediately. 

Sixthly, XXXX XXXX : Account Number : XXXX - I have no recollection of belonging to this account, and it is not possible for you to update an account that is frivolous. Therefore, I request that you remove it from my credit report immediately. 

Seventhly, XXXX XXXX : Account Number : XXXX - I have no recollection of being late with any payments related to this account. Therefore, I request that you remove this incorrect and harmful data from my credit file immediately. 

Eighthly, XXXX XXXX : Account Number : XXXX - I don't remember ever being late with any payments related to this account, so I'm curious how you are able to verify that information. Therefore, I request that you remove this incorrect data from my credit file immediately. 

Ninthly, XXXX : Account Number : XXXX - I don't understand how this account can have a payment history when it's a charge off. Please delete this account from my report immediately. 

Tenthly, XXXXXXXX XXXX  : Account Number : XXXX - I have no recollection of ever being associated with this company that is unfamiliar to me. Therefore, I request that you remove this frivolous account from my credit report immediately. 

Eleventhly, XXXX : Account Number : XXXX - I don't understand how this account can have a payment history when it's a charge off. Please delete this account from my report immediately. 

Twelfthly, XXXX : Account Number : XXXX - I don't understand how this account can have a payment history when it's a charge off. Please delete this account from my report immediately. 

Lastly, XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX - I don't understand how this account can have a payment history when it's a charge off. Please delete this account from my report immediately. 

I trust that you will investigate these inaccuracies and take appropriate action to correct them as soon as possible. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX