Consumer complaint received 2022-10-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

re report case number : XXXX and XXXX filed on XXXX XXXX. I forgot to add the account information. Below is the letters that was sent to the credit companies. They have not fulfilled my request of sending me validation of these listed accounts. I have requested them to send me the proof that they have verified these accounts are truly mines. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that they provide actual proof the information was verified, not a computer generated confirmation. I would like for the following accounts that are NOT mines to be immediately deleted from my credit report. 

XX/XX/2022 Re : Letter to Remove Inaccurate Credit Information/ Validate Debt To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re- investigated. 
XXXX. The following account is not mine XXXX Account XXXX : XXXX XXXX. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX XXXX. The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 


Second letter sent To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

XXXX. The following account is not mine/ Please remove from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following account is not mine/ Please remove from my Credit Report XXXX XXXX XXXX Account Number : XXXX XXXX. The following account is not mine/ Please remove from my Credit Report XXXX XXXX Account Number : XXXX XXXX. The following account is not mine/ Please remove from XXXX Credit Report XXXX XXXX XXXX XXXX Account Number XXXX XXXX. The following account is not mine/ Please remove from my Credit Report XXXX XXXX Account Number : XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.