Consumer complaint received 2025-03-17 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: GA

Complaint narrative:
This is my SECOND WRITTEN REQUEST regarding the unresolved issues on my credit report. The items listed below remain in my report in violation of Federal Law, specifically the Fair Credit Reporting Act ( FCRA ). Under the FCRA, you are required to have a copy of the original creditors ' documentation on file to verify that this information is mine and accurate. 
In your initial investigation, you indicated that you " verified '' these items are being " reported correctly. '' I request clarification : Who verified these accounts? Additionally, you have not provided me with any of the original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA, which mandates that you provide a copy of a consumer contract bearing my signature. Under Section 611 ( 5 ) ( A ), the FCRA requires that you promptly DELETE all information which can not be verified.

I believe this constitutes a violation of the FCRA, 15 USC 1681, 15 USC 6801/6802 ( b ), and 15 USC 1666 ( b ). Specifically, I am disputing incorrect address information, inaccurate late payments, and charge-off accounts that do not belong to me. 
The law is clear regarding the civil liability and available remedies for " negligent noncompliance '' ( Section 617 ). If you fail to comply with these requirements, I am prepared to pursue litigation to enforce my rights under the FCRA. 
Incorrect Address : My credit report currently lists addresses that don't belong to me : XXXX. XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX Late Payment Accounts : My credit report currently lists late payments. I have never had any late payments on these accounts. 
XXXX. XXXX XXXX, XXXX ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX  XXXX ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX. XXXX  XXXX ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX. XXXX  XXXX ( XXXX ) - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX Accounts : My credit report currently lists accounts that do not belong to me. 
XXXX XXXX XXXX  ( XXXX ) Inaccurate and Unverified collections accounts : My credit report currently lists inaccurate and unverified information on accounts XXXX. XXXX  XXXX Delete Account Removed from other credit bureaus. 
XXXX XXXX XXXX Delete Account Removed from other credit bureaus XXXX. XXXX XXXX Delete Account Removed from other credit bureaus Inquiries : My credit report currently lists inquiries I didnt consent to. 
XXXX. XXXX XXXX XX/XX/XXXX This inaccurate information is the result of identity theft and is significantly harming my credit score. I request that you immediately investigate these discrepancies and remove all incorrect address information, closed accounts with recent activity, and disputed late payments from my credit report. 
This letter serves as a formal request to investigate and correct these inaccurate items under 15 USC Section 1681i of the Fair Credit Reporting Act. As required by the FCRA, I expect you to re-verify each of these items and remove any inaccuracies from my report.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from receiving this letter to re-verify these entries. If you fail to re-verify these items within the required time frame, they must be removed from my credit report. Under 15 USC Section 1681i ( d ), I request that you notify me once these items have been deleted. Additionally, per 15 USC Section 1681j, there should be no charge for providing a corrected copy of my report or for the notification of these changes.

Finally, please provide me with the names and contact details of all individuals or entities you have contacted regarding these disputes so I may follow up directly if necessary.

Thank you for your prompt attention to this matter. I expect your response and resolution without delay. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief