Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (UT)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : Below is a summary of the data in which I am challenging : Fraudulent Inquiries : XXXX ( XXXX ), Inquiry Date : ( XXXX ) XXXX XXXX ( XXXX ), Inquiry Date : ( XXXX ) XXXX XXXX XXXX ( XXXX ), Inquiry Date : ( XXXX ) XXXX XXXX  ( XXXX ), Inquiry Date : ( XXXX ) XXXX XXXX ( XXXX ), Inquiry Date : ( XXXX ) XXXX XXXX ( XXXX ), Inquiry Date : ( XXXX ) XXXX XXXX ( XXXX ), Inquiry Date : ( XXXX ) XXXX XXXX ( XXXX ), Inquiry Date : ( XXXX ) XXXX Summary of Accounts being challenged in list form SCC ( XXXX ) - ( XXXX ) XXXX SCC - XXXX Equifax Equifax Account # : XXXX XXXX Account Type XXXX Auto Loan Account Status XXXX Derogatory Credit Limit : XXXX -- Date Opened XXXX XXXX Payment Status XXXX Collection/Chargeoff Monthly Payment Amount XXXX -- Balance Owed XXXX XXXX Term Length XXXX XXXX XXXX XXXX XXXX XXXX Past Due amount XXXX -- Date Reported - XXXX Creditor Remarks XXXX Charged off account Date of Last Activity XXXX XXXX Last Payment XXXX XXXX Description : Charged off account Creditor Type - Individual 2 Year Payment History [ 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 ' ] Also, see the image above for SCC ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 

Lets examine Date Opened ( XXXX ) showing XXXX. Metro 2 requires that all reported information be accurate and up to-date. It's clear there have been some errors in this account, which calls into question the integrity of everything else reported on here! 

I was looking at High Credit ( XXXX ) expressing XXXX. The information on this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX. I would like you to review it again and prove me wrong, so that my account can be 100 % accurate! 

I was looking at Past Due ( XXXX ) expressing --. The information on this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX. I would like you to revie again and prove me wrong, so that my account can be 100 % accurate! 

Yours truly, XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX I'm mindful that you have been conveying structure letters because of a significant number of the questions and difficulties that shoppers have submitted, no matter what the particular data that they have given. This is unlawful, as each question and challenge should be tended to independently and on its own merits. My letters were made utilizing programming that is accessible to everybody. On the off chance that you don't process my letters, you are disregarding 15 U.S. Code 5 1681i. Remember, you are not permitted to postpone handling letters from shoppers in view of the presumption that assistance from an outsider might be accessible. This is certainly not a lawful exception. I am the creator of any letters you get with my name on them. Possibly I or my counsels thought of them with my full information and assent. I'm mindful that there is no regulation that says you want to give a Legal authority to defer handling letters from a consumer. If you don't deal with my letters on time, I will believe it to be a purposeful dismissal of my privileges as a buyer. I will then contact my attorney to make a lawful and possible litigation.