Consumer complaint received 2025-01-26 00:00:00
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.
State: MD

Complaint narrative:
Here is a copy of the latest letter to Equifax : Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Validation of Accounts and Association with Reported Names and Addresses Hello Equifax Agent - Notice to Agent is notice to Principal I am writing to you regarding certain entries on my consumer report that require validation. In the past, I have submitted many inquiries to Equifax and was denied proof of the investigation to validate the accounts reporting on my consumer report, that is listed here. The investigation results always reported back to me validated and updated, with the reason being the furnisher stating the information that was currently reported was accurate. My efforts to resolve these issues have been met with inadequate responses and insufficient corrective actions, which fail to comply with your obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

THIS VALIDATION IS TO GATHER THE EXACT IDENTIFICATION MEANS ASSOCIATED WITH THESE SPECIFIC ACCOUNTS. I need accurate exhibits for the accounts listed herein to be associated with the names and addresses under which they are reported. After reviewing my consumer report from your company, I have identified several accounts that I believe are not accurate or verifiable.

I noticed addresses on my consumer report that are not familiar to me or associated with me. I also have extreme privacy concerns. Therefore, I am again formally requesting validation of the following accounts : XXXX. XXXX XXXX XXXX Listed as a charged off account for {$1500.00}. Account type is Credit Card. Reported Monthly.

Please ensure that this account is associated with the correct name and address under which it is reported. 

2XXXX XXXX XXXX XXXX XXXX - XXXX Listed as a collection account for {$140.00}. Account type : UNKNOWN. Reported Monthly.

Please ensure that this account is associated with the correct name and address under which it is reported. 

XXXX. XXXX, XXXX. - XXXX Listed as a charged off account for {$340.00}. Account type is Charge Card. Reported Monthly.

Please ensure that this account is associated with the correct name and address under which it is reported. 

4. XXXX XXXX XXXX CA - XXXX Listed as a charged off account for {$150.00}. Account type is Utility. Reported Monthly.

Please ensure that this account is associated with the correct name and address under which it is reported. 

5. XXXX XXXX XXXX  - XXXX Listed as a collection for {$210.00}. Reported Monthly.

Please ensure that this account is associated with the correct name and address under which it is reported.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to receive verification of these accounts and their accuracy. I kindly request that you provide me with the following information for each disputed account : 1. The original creditor 's name and contact information.

2. The original account number.

3. The dates of account opening and closure.

4. Any and all documentation supporting the validity of the debt, including contracts and agreements bearing my signature.

5. Certified exhibit of Equifaxs authority to furnish/produce this information as a consumer report with my written permission. 

Please ensure that the accounts are associated with the names, birthday, and addresses under which they are reported. 
Please note that failure to provide ALL criteria listed herein, adequate validation within 30 days of receipt of this letter will result in the removal of the disputed items from my credit report, as mandated by the FCRA. 

I kindly request that all communication regarding this matter be done in writing to maintain a clear record of our correspondence. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

Company response to consumer: Closed with non-monetary relief