Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

On this complaint please find me FTC Report attached in docs Hi i am finally trying to save up and get a house and realized there was some error and inaccuracy on my credit report that should not be there. I send certified letter out and i am getting back repones stating info has been verified but no info is able to be provided, i had requested sign documents all the way down to verification to show proof that these hard inquiries and debt being displayed our mine but had got response and keep being ignored from all three bureaus, i also sent Equifax a request to update my dob of birth year to XXXX cause they have it as XXXX which is incorrect i sent documents and all and nothing has been fixed. Please look into this account matters as these should not be reflecting on my report and they need to be removed immediately as its effecting my daily life to live. PLEASE KEEP IN MIND UNDER LAW 15 US CODE 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 US CODE 1681 SECTION 602A SECTION 2 STATES REPORTING AGENCY CAN NOT FURNISH DATA WITH WRITTEN INSTRUCTIONS 15 US CODE 1681 C A 5 STATES NO CONSUMER AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINED IN ANY OF THE FOLLOWING ITEMS OF INFO, ANY ADVERSE ITEMS OF INFO OTHER THAN RECORD ON CONVICTION AND CRIME WHICH DATE MORE THAN 7 YEARS 15 US CODE 1681 S - 2 A 1 A PERSON SHALL NOT FURNACE ANY INFO RELATING TO A CONSUMER TO ANY CONSUMER AGENCY IF THE PERSON KNOW OR HAS REASON THE INFO IS INACCURACTE 15 US CODE 1681 I5 CONSUMER REPORTING AGENCY ARE SUPPOSED TO MODIFY ACCOUNT REPORTING IN ACCURATE FIRST IS XXXX report is Reporting inaccurately accounts and inquires that are not mine, i have been going back and forth and they are not providing me with no verification on where these are coming from : from XX/XX/XXXX : XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$470.00}. I am a victim of identity theft and I never opened this account. XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. - I requested to send me verification and documentation showing where this is from but they are not getting back to me and keep stating its verified or ignoring me.-this is not my account XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX requested to send me verification and documentation showing where this is from but they are not getting back to me and keep stating its verified or ignoring me. This is not my account Collection account from XXXX XXXX with account # XXXX and a balance of {$450.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXXXXXX I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt -collector has a legal right to collect, or delete this account. requested to send me verification and documentation showing where this is from but they are not getting back to me and keep stating its verified or ignoring me. This is not my account Inquiry from XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX XXXX  on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. NEXT IS EQUIFAX IS REPORTING INACCURATLY ON MY REPORT AND STILL HAS NOT UPDATED MY DOB TO XX/XX/XXXX AFTER PROVIDING PROOF. I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX requested to send me verification and documentation showing where this is from but they are not getting back to me and keep stating its verified or ignoring me. This is not my account XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$450.00}. - requested to send me verification and documentation showing where this is from but they are not getting back to me and keep stating its verified or ignoring me. This is not my account XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$160.00}. - requested to send me verification and documentation showing where this is from but they are not getting back to me and keep stating its verified or ignoring me. This is not my account XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX requested to send me verification and documentation showing where this is from but they are not getting back to me and keep stating its verified or ignoring me. This is not my account DP OF EDUC Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. - requested to send me verification and documentation showing where this is from but they are not getting back to me and keep stating its verified or ignoring me. This is not my account XXXX account from XXXX  with account # XXXX and a balance of {$100.00}. The original creditor is XXXX requested to send me verification and documentation showing where this is from but they are not getting back to me and keep stating its verified or ignoring me. This is not my account Inquiry from XXXX XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. NEXT IS XXXX INACCURATLY REPORTED ON MY CREDIT REPORT AS WELL. XX/XX/XXXX : XXXX XXXX XXXX XXXX  - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX requested to send me verification and documentation showing where this is from but they are not getting back to me and keep stating its verified or ignoring me. This is not my account XXXX XXXX Credit Card with account XXXX XXXX opened on XX/XX/XXXX and a balance of $ XXXX requested to send me verification and documentation showing where this is from but they are not getting back to me and keep stating its verified or ignoring me. This is not my account XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX requested to send me verification and documentation showing where this is from but they are not getting back to me and keep stating its verified or ignoring me. This is not my account U S DEPT OF EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX requested to send me verification and documentation showing where this is from but they are not getting back to me and keep stating its verified or ignoring me. This is not my account XXXX Credit Card with account XXXX XXXX opened on XX/XX/XXXX and a balance of $ XXXX requested to send me verification and documentation showing where this is from but they are not getting back to me and keep stating its verified or ignoring me. This is not my account Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$860.00}. The original creditor is XXXX requested to send me verification and documentation showing where this is from but they are not getting back to me and keep stating its verified or ignoring me. This is not my account Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.