Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry In Dispute XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Inquiry In Dispute XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX XXXX  XX/XX/XXXX Inquiry In Dispute Derogatory Items Derogatory Items : 11 Account Name EQUIFAX XXXX XXXX Issue XXXX XXXX XXXX XXXX  XXXX XXXX Negative X Negative X Negative Was 30 days late XXXX time ( s ). Was 60 days late 4 time ( s ). Was 30 days late 6 time ( s ). Was 60 days late 4 time ( s ). Was 30 days late 6 time ( s ). Was 60 days late 4 time ( s ). 
In Dispute XXXX XXXX  Negative X Negative X Negative Was 30 days late 1 time ( s ). Was 30 days late 1 time ( s ). Was 30 days late 1 time ( s ). 
In Dispute XXXX XXXX  X Negative X Negative X Negative Was 30 days late 1 time ( s ). Was 30 days late 1 time ( s ). Was 30 days late 1 time ( s ). 
In Dispute XXXX  XXXX X Negative X Negative X Negative Was 30 days late 2 time ( s ). Was 60 days late 3 time ( s ). Was 90 days late 2 time ( s ). Was 120 days late 1 time ( s ). Was 30 days late 2 time ( s ). Was 60 days late 3 time ( s ). Was 90 days late 2 time ( s ). Was 120 days late 1 time ( s ). Was 30 days late 2 time ( s ). Was 60 days late 3 time ( s ). Was 90 days late 2 time ( s ). Was 120 days late 1 time ( s ). 
In Dispute XXXX XXXXXXXX X Negative X Negative X Negative Was 30 days late 4 time ( s ). Was 60 days late 1 time ( s ). Was 90 days late 3 time ( s ). Was 120 days late 2 time ( s ). Was 30 days late 4 time ( s ). Was 60 days late 1 time ( s ). Was 90 days late 3 time ( s ). Was 120 days late 2 time ( s ). Was 30 days late 4 time ( s ). Was 60 days late 1 time ( s ). Was 90 days late 3 time ( s ). Was 120 days late 2 time ( s ). 
In Dispute XXXX XXXX XXXX X Negative X Negative X Negative Was 30 days late 1 time ( s ). Was 30 days late 1 time ( s ). Was 30 days late 1 time ( s ). 
In Dispute XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX. XXXX ) - - X Negative Was CO days late 8 time ( s ). 
In XXXX XXXX XXXX XXXX  ( Original Creditor : DOCTORS XXXX. XXXX ) - - X Negative Was CO days late 23 time ( s ). 
In XXXX XXXX XXXX XXXX ( Original Creditor : DOCTORS XXXX. XXXX  ) - - X Negative Was CO days late 7 time ( s ). 
In XXXX XXXX XXXX XXXX ( Original Creditor : DOCTORS XXXX. XXXX ) - - X Negative Was CO days late 6 time ( s ). 
In Dispute XXXX XXXX X Negative X Negative X Negative Was 30 days late 1 time ( s ). Was 30 days late 1 time ( s ). Was 30 days late 1 time ( s ).

In Dispute PUBLIC RECORDS I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I presume that no Proof of the alleged debt, nor therefore any such debt, in fact therefor exist

Company response to consumer: Closed with non-monetary relief