Consumer complaint received 2025-01-15 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: AL

Complaint narrative:
To Whom It May Concern : I am formally requesting a comprehensive disclosure of my entire file. It is imperative that only information that is completely accurate and thorough be included. I expressly prohibit any inclusion of incorrect, incomplete, or deceptive data in my report.

I am currently disputing inaccurate details within my credit reports per Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I urge you to conduct a thorough investigation. Specifically, I request the removal of any false, incomplete, outdated, or unverifiable biographical information. This action is essential to ensure the accuracy of my records and to mitigate the risk of identity theft or erroneous file amalgamation. 

I am formally requesting a thorough investigation into the accounts that I am currently disputing. I kindly ask that you send a copy of this letter to each furnisher and ensure that both you and each furnisher conduct a comprehensive investigation in accordance with legal requirements. 

It is imperative that my request not be disregarded or met with generic form letters refusing to investigate. Rather, I urge you to treat this matter with the utmost seriousness, as I place significant importance on the accuracy of my credit reports. Having complete and verified information is crucial to me. 

I have identified contradictory, incomplete, and potentially inaccurate information on my reports. I am unsure whether this discrepancy arises from unreliable information provided by the furnishers or from inadequacies in your reporting practices. Regardless, I implore both you and the furnishers to fulfill your obligations diligently. 

This is an opportunity for all parties involved to rectify any discrepancies and ensure the integrity of my credit reports. Thank you for your attention to this matter. 

For every listed account, ensure that the information provided is entirely accurate, complete, and verifiable. Alternatively, if any aspect of the account can not meet these criteria, it should be removed entirely. 

I am not merely requesting a partial investigation into certain accounts ; rather, I insist on a thorough and meticulous examination of each account detailed below. Any discrepancies or missing information that I identify must be investigated fully and rectified promptly. Moreover, if there are errors or omissions that you observe and I have not mentioned, please address them accordingly or delete the entire account. 

I will clearly outline each account and specify the inaccuracies or deficiencies that I believe exist. Your commitment to investigating all identified issues is greatly appreciated. It is imperative that every error, including incomplete information, is rectified across all accounts, or those accounts should be deleted if corrections can not be made. Furthermore, transparency is essentialI expect full disclosure of all information contained in my file, and I demand that every detail therein is entirely accurate, complete, and verifiable. 

Account : XXXX XXXX Account info Account number XXXX Open/closed Date opened XX/XX/2021 Upon completion of your investigation, kindly furnish me with a copy of the investigative findings along with a comprehensive copy of my entire file. When I refer to a complete file, I expect all information pertaining to me to be included, without omission. Additionally, I request that you provide a record of inquiries made ( both hard and soft pulls ), accompanied by the reason for each inquiry and copies of certifications made by each user of my report. It is imperative that you include all relevant details, as I am fully aware of my rights under the FCRA to obtain my full file disclosure. 

Please be advised that unless every missing piece of data, inconsistency, and error related to the disputed accounts is rectified accurately, or each disputed account is entirely deleted, your investigation will not resolve my dispute.

In accordance with my entitlement outlined in Section 1681i, I hereby request that you provide me with the following details regarding your investigation into my disputes. : a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

Company response to consumer: Closed with non-monetary relief