Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate This is the ONLY personal information that should be reported on my credit report Please update my name to : XXXX XXXX Please update my address to : XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Also, the only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file I know that you want proof of my personal information that is listed above so I decided to include this information in the letter to make it easy for you to delete the inaccurate information I also noticed the following accounts reporting inaccurately, there are quite a few of them, which left me a bit shocked and confused! I've listed the ones I saw below but there may be more as I continue to review my report. Mistakes such as these can cost me thousands of dollars in interest a year!

Here are the items that I need to have fully verified as being 100 % accurate : 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXXXXXX XXXX XXXX  XXXX, NY XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX AV XXXX XXXX, NY XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX  XXXX, NY XXXX 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 8. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 15. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 19. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) It is my understanding that you will recheck these items with the creditor who has posted them. I want ANYTHING that CAN NOT BE VERIFIED by them to be COMPLETELY DELETED from my credit file ASAP. I understand that you have 30 days to complete your investigation once you get this letter. If you can update me even sooner, that would be great Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief