Consumer complaint received 2023-07-25
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. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute and request the removal of inaccurate and unauthorized credit information from my credit report. I have identified several discrepancies that are in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACT ACT ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 



Under the provisions of the FCRA ( Section 611 ), I have the right to dispute any inaccurate information on my credit report. Upon reviewing my credit report, I have found several unauthorized credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA ( Section 611 ( a ) ( 5 ) ( A ) ), you must investigate these inquiries and promptly remove them from my credit report as I have no recollection of authorizing them. 



Furthermore, the FDCPA ( Section 809 ) and FCRA ( Section 623 ) protect consumers from inaccurate credit reporting and debt collection practices. I have identified the following accounts inaccurately reported as having been paid late : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the FCRA ( Section 623 ( a ) ( 2 ) ), I dispute the accuracy of these accounts. You are required to conduct a thorough investigation and provide me with a written response, along with any corrective actions taken within 30 days from the receipt of this letter. 



Additionally, the FACT ACT ( Section 611 ) allows consumers the right to request investigations into incorrect personal information on their credit reports. I have identified outdated and incorrect previous addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to the FACT ACT ( Section 611 ( a ) ( 1 ) ( A ) ), I request the immediate deletion of these outdated addresses from my credit report. 



Finally, in accordance with the FCBA ( Section 1666i ) and the TILA ( Section 1641 ), I dispute the following account as I can not recognize this business, and I demand a thorough investigation to confirm its accuracy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX In light of the above laws and specific codes mentioned, I urge you to take this dispute seriously and rectify the inaccuracies in my credit report. Failure to comply with these federal laws may subject your company to legal actions. 



I request that you provide me with a written confirmation of your investigation results and any actions taken to resolve these issues within the prescribed timeline. Additionally, I expect you to update my credit report accordingly and send me a revised copy as soon as possible. 



Thank you for your prompt attention to this matter. I trust that you will handle this dispute efficiently and uphold your responsibilities under the applicable laws. 



Sincerely, XXXX XXXX