Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I sent this letter in XXXX and didn't get any results or anything notifying that it was investigation involved instead the company sent a letter and said they won't be following thru because they think I'm using a AI software company Because of the possible errors I have observed in the reporting, I am contesting several items on the account in this correspondence. In order to protect the integrity of my financial data, I am resolved to resolve these concerns as soon as possible because I believe it is crucial for me to keep accurate credit records as a responsible consumer. 

Accounts : XXXX : XXXX, The credit information is referenced as wrong due to the way it's being reported. Purge it from my credit report. XXXX  XXXX : XXXX, Falsely listed on the credit report because it's not being reported correctly. Investigate the matter and remove the error asap. XXXX XXXX XXXX : XXXX, Inaccurate item on my credit report because it's not a XXXX  % accurate. Investigate this dispute and delete the bad account on the report. XXXX : XXXX, Creditors account that is being reported is inaccurate. Go ahead and delete this from my credit report ASAP. XXXX XXXX XXXX : XXXX, The account needs to be re-verified as it is inaccurate or incomplete. Requesting for an error deletion. 

This kind of inaccuracy does cause some unease and anxiety. Given the seriousness of the situation, it is highly recommended that your organization launch an extensive investigation into these mistakes as soon as possible. 

Your organization is expected to handle this matter with the necessary diligence, even though there XXXX not be strict legal requirements requiring an immediate correction of such errors. It is acknowledged that a prompt resolution that complies with your institutional protocols would not only preserve your organization 's reputation but also allay worries about these disparities. 

If left unchecked, these irregularities could lead to excessive stress and uncertainty regarding the financial situation in the future. It is anticipated that by promptly resolving these differences, these concerns will be lessened and the confidence in a stable financial future will be restored. 

I'm looking forward to the day when my credit report shows that I've been financially responsible. The ability of your institution to implement the required corrective measures is trusted, given the unease these irregularities have caused. In the event that further information is needed throughout this process, it will be provided right away. 

I appreciate you giving this some thought. Please get in touch if you require any additional information. We sincerely appreciate your help in getting this resolved. 

Inquiries : XXXX  inquiry : I dont recall giving this creditor permission to pull my credit report. Investigate and make sure the inquiry is deleted. XXXX XXXX inquiry : This inquiry is problematic as I did not authorize it. Purge the inquiry in questioned XXXX  inquiry : Its wrong and needs to be removed because no permission was given. I need action taken to delete the reported issue. 



Any disputes must be carefully examined in accordance with the Fair Credit Reporting Act. You are entrusted with fixing this problem, and you can be sure that your credit record will be closely watched until it is resolved. We sincerely appreciate your prompt action and response in resolving this discrepancy. 

People are aware of how crucial a clean credit report is to their financial security. It is imperative that this issue receive the highest attention because preserving the integrity of the credit report with accurate information is essential for maintaining a respectable reputation. 

And lastly, the work your company does to keep financial systems reliable. Despite the difficulties in ensuring the accuracy of massive amounts of data, trust is placed in the ability to use FCRA sections XXXX and XXXX to correct the inconsistencies in this report. I'm hoping this dispute can be resolved quickly. 

We are appreciative of your prompt attention to this issue. 


Ive sent this letter and didn't get any results or notification of any disputes

Company response to consumer: Closed with non-monetary relief