Consumer complaint received 2023-06-18
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.

Complaint:
I am writing to file a formal complaint against XXXX, one of the major credit reporting agencies, for their blatant disregard of my repeated requests to investigate and remove inaccurate information reported on my credit file. Despite providing substantial evidence, including proof of residence for the past 10 years, a valid driver 's license, utility bills, leasing agreements, and a police report, XXXX has refused to take the necessary steps to rectify the inaccuracies in my credit report. Their dismissive response, in the form of a generic email claiming that they do not believe I submitted a request for investigation, is both unprofessional and unacceptable. 

The following issues that XXXX has refused to investigate are as follows : Inaccurate Address Information : I have provided extensive documentation to establish my residency history over the past decade. This includes leasing agreements, utility bills, and a valid driver 's license. Despite these clear proofs, XXXX has failed to update my address information accurately, leading to discrepancies in my credit file. 

False Delinquency Report : XXXX has erroneously reported a delinquency on one of my accounts, which is completely unfounded. I have provided all relevant evidence, including payment receipts, bank statements, and correspondence with the creditor, demonstrating that the account is in good standing. However, XXXX has chosen to neglect this evidence and maintain the false delinquency entry on my credit report. 

Identity Theft Concerns : I have provided a police report documenting a case of identity theft that resulted in fraudulent accounts being opened in my name. Despite the seriousness of this matter, XXXX has failed to conduct a thorough investigation and remove these fraudulent accounts from my credit report, thereby compromising my financial well-being and creditworthiness. 

I have made numerous attempts to resolve these issues directly with XXXX, providing them with all the necessary evidence and documentation. However, their inadequate response and refusal to take appropriate action have left me with no choice but to escalate this matter to the Federal Trade Commission, the regulatory authority responsible for overseeing credit reporting agencies. 

I kindly request that the Federal Trade Commission thoroughly investigate this matter and hold XXXX accountable for their disregard of my rights as a consumer. Additionally, I urge the Commission to take appropriate measures to ensure that XXXX rectifies the inaccuracies in my credit report promptly and provides me with a written confirmation of the corrections made. 

Enclosed with this letter, please find copies of all correspondence between XXXX and myself, including the generic email response, as well as the extensive evidence I have provided to support my claims. 

Thank you for your attention to this matter. I trust that the Federal Trade Commission will take the necessary steps to address this complaint and ensure a fair resolution.

Company response to consumer: Closed with explanation