Consumer complaint received 2023-05-18
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute certain inaccurate information that is appearing on my credit report. As a consumer, I have the right to ensure that the information in my credit file is accurate, verifiable, and up-to-date. Upon reviewing my credit report, I have identified the following items that require investigation and correction : 1. The following personal information is incorrect EMPLOYER : XXXX XXXX XXXX 2. The following personal information is incorrect EMPLOYER : XXXX XXXX 3. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 4. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

10. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. 

12. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

13. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

14. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

15. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX  Account Number : XXXX Please remove it from my credit report. 

16. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

17. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

18. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

19. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 20. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 21. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you conduct a prompt investigation into these disputed items. During this investigation, I ask that you contact the respective creditors to verify the accuracy of the information being reported. Please note that I do not consent to any automated verification process, such as e-Oscar. 

I also request that you provide me with copies of any documentation, contracts, or agreements related to the disputed accounts, as required under Section 609 ( a ) ( 1 ) ( A ) of the FCRA.

Furthermore, I would like to remind you of the time limits set forth by the FCRA. According to Section 611 ( a ) ( 1 ) ( A ), you must complete the investigation within 30 days of receiving this dispute letter. I expect a written response detailing the results of your investigation within this timeframe.

If you determine that any of the disputed items are indeed inaccurate or unverifiable, I request that you promptly remove them from my credit report in accordance with Section 611 ( a ) ( 5 ) ( A ) of the FCRA. Additionally, I ask that you provide me with an updated copy of my credit report reflecting these corrections.

Finally, please be aware that the inaccurate reporting of information can negatively impact my creditworthiness and financial opportunities. If these disputes are not resolved satisfactorily within the required timeframe, I am prepared to take legal action to protect my rights under the FCRA. 

Thank you for your attention to this matter. I expect your prompt and thorough investigation and appreciate your cooperation in resolving these disputes. 
Sincerely, XXXX XXXX XXXX