Consumer complaint received 2024-05-31 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: AZ

Complaint narrative:
Please be minded that if you send a computer generated letter not to open the dispute request I am going to file a complaint. There is not a single item in my letter that could possibly lead one to believe it was not written by me. Failure to do so must be penalized according to 616. [ 15 U.S.C. 1681n ] that states any person who willfully fails to comply with any requirement under this law concerning a consumer is accountable to that consumer for a sum comprising : 1. A : The actual damages suffered by the consumer due to the failure, or damages ranging from not less than {$100.00} to not more that {$1000.00}. 

I've written to you informing you that certain information on my credit report is inaccurate, and I'm starting to get really upset. I require access to the documentation used for each of the items on the previous dispute. 

The following accounts need to be updated or removed from my credit report because they are falsely being reported and some of them were unverified. They should also be removed from my credit report since they are reporting misleading information. 

XXXX XXXX  ( Original XXXX XXXX XXXX ) : Account number : XXXX, The medical account is private information that should not be reported on this account because you're violating my privacy. I demand this will be deleted for inaccuracy. 

XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX  ) : Account number : XXXX, This report shows different Date Opened, and Date last active. Delete this account for inaccuracy. 

XXXX XXXX : Account number : XXXX, I don't believe the status of this account is accurate. This delinquency on my credit report should not be there. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that this account be removed from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Im confused about the account number and account name in this account. Clarify this information for me or else remove this account immediately from my credit history report. 

XXXX XXXX XXXX : Account number : XXXX, There was a problem with the report on the date of the last activity it reported incorrect dates. All dates reported on each bureau should be the same. I demand this will be deleted immediately. 

XXXX XXXX  XXXX : Account number : XXXX, This report shows 2 different account numbers. Delete this account for inaccuracy. 

XXXX : Account number : XXXX, There shouldnt be any late payments after close date? Its not possible to be late on a closed account! Delete this account for inaccuracy. 

I know under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information , the consumer reporting agency shalli ) promptly delete the disputed information from the consumer 's file, or modify it as necessary based on the findings of the reinvestigation ; and ii ) promptly notify the furnisher of the disputed information that the information has been modified or deleted from the consumer 's file. This process applies to any reinvestigation under paragraph ( 1 ) of disputed information in the event that an item of the information is found to be inaccurate, incomplete, or can not be verified. You have fifteen days to erase the accounts and/or information specified below, if you can't send me a copy of verified proof following your investigation. 



Send me a copy of my credit report reflecting these changes Ive requested. 



Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief