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:
Equifax Information Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, You must not lose sight of the gravity of this communication. I'm formally asking that my credit report be reviewed and corrected in accordance with the established guidelines, which I assume you are aware of. In addition to being accurate, we anticipate that the credit data will follow accepted frameworks. Upon receiving this letter, failure to act promptly will be interpreted as a failure to respect my consumer rights.

Making certain accuracy is more than just a requirement. a rigorous prerequisite. Following these guidelines is essential, and you should ensure that all of the information you provide is true. Verifying every record and making sure there are no exceptions to the rule is your duty.

Here, time is critical. Each delay erodes my confidence in your organization even more. You can not compromise on taking prompt, decisive action on this issue. I demand that my credit report adhere to compliance and accuracy standards.

Given the seriousness of the situation, I am sure you will treat it with the promptness and attention to detail that it requires. This is about maintaining integrity, not about numbers. I'm eager to hear from you.

I'm challenging inaccurate personal information listed below.

The information about my name is not reported accurately.

My current address is not listed accurately.

Certain information about my date of birth is not accurate.

I'm challenging inaccurate accounts listed below. 

XXXX ( XXXX ) - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm challenging inaccurate Inquiries listed below. 

( XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XXXX XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XXXX  ) XXXX ( XX/XX/XXXX ) XXXX Personal Information Current Name : XXXX : This is the correct Name : XXXX XXXX Please quickly remove any names from your database that don't XXXX XXXX the information I sent you in this email. 

Current Address : XXXX : This is the correct Address : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX I humbly ask that any addresses in your records that differ from the one I have mentioned be promptly and immediately deleted. 

Current Date Of Birth : XXXX : This is the correct Date of Birth : XXXX It appears that you might have made a mistake with my birthdate, as there is evidence that my information was combined with someone else 's. 

Accounts Account name : XXXX XXXX Equifax Account # : XXXX XXXX Account type : XXXX Account Status : XXXX Closed Credit Limit : XXXX {$XXXX} Date Opened : XXXX XX/XX/XXXX Payment Status : XXXX Collection/Chargeoff Balance Owed : XXXX {$XXXX} No. of Months ( terms ) : XXXX Past Due Amount : XXXX {$XXXX} Date of Last Activity : XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX Date of last Payment : XXXX XX/XX/XXXX Account Description : Individual Creditor Type : General Clothing Store Payment Amount : XXXX {$XXXX} XXXX  Year History : XXXX XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) Comments : XXXX Settlement accepted on this account Paid charge off XXXX Potential inconsistencies in the reporting that could unnecessarily affect future financial considerations in my name are what I draw your attention to. Because flawless reporting is so important, I insist on a thorough examination and, if necessary, the total removal of any inaccurate data. 

Account name : XXXXXXXX XXXX XXXXXXXX Equifax Account XXXX : XXXX XXXX Account type : XXXX Credit Card Account Status : XXXX Open Credit Limit : XXXX {$XXXX} Date Opened : XXXX XX/XX/XXXX Payment Status : XXXX Current Balance Owed : XXXX {$XXXX} No. of Months ( terms ) : XXXX Past Due Amount : XXXX {$XXXX} Date of Last Activity : XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX Date of last Payment : XXXX XX/XX/XXXX Account Description : Individual Creditor Type : All Banks Payment Amount : XXXX {$XXXX} XXXX  Year History : XXXX XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) Comments : XXXX Credit card Amount in H/C column is credit limit XXXX  XXXX To guarantee the accuracy of the information linked to my name, I require verifiable proof of compliance with industry standards. Any disputed details must be completely removed if such verification is not provided. 

Account name : XXXX XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX Account type : XXXX Collection Account Status : XXXX Open Credit Limit : XXXX {$XXXX} Date Opened : XXXX XX/XX/XXXX Payment Status : XXXX Late XXXX  Days Balance Owed : XXXX {$XXXX} No. of Months ( terms ) : XXXX Past Due Amount : XXXX {$XXXX} Date of Last Activity : XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX Date of last Payment : XXXX XX/XX/XXXX Account Description : Individual Creditor Type : Factoring Companies Payment Amount : XXXX {$XXXX} 2 Year History : XXXX XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) Comments : XXXX Collection account XXXX XXXX XXXX Failure to adhere to the industry standards we have cited is totally unacceptable. The reported data raises questions regarding its accuracy and compliance with regulations. It is imperative that all dubious information be eliminated as soon as possible in order to maintain the integrity of the reporting process. Please take the appropriate action. 

Account name : XXXX XXXX Equifax Account XXXX : XXXX XXXX Account type : XXXX Account Status : XXXX Closed Credit Limit : XXXX {$XXXX} Date Opened : XXXX XX/XX/XXXX Payment Status : XXXX Collection/Chargeoff Balance Owed : XXXX {$XXXX} No. of Months ( terms ) : XXXX 3 Month ( XXXX ) Past Due Amount : XXXX {$XXXX} Date of Last Activity : XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX Date of last Payment : XXXX XX/XX/XXXX Account Description : Individual Creditor Type : Miscellaneous Finance Payment Amount : XXXX {$XXXX} 2 Year History : XXXX XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) Comments : XXXX Paid charge off Amount in high credit original chargeoff amount XXXX Considering the seriousness of the situation, I contest the accuracy of the information linked to my account. Provide proof that demonstrates the accuracy and conformity with the exacting standards that we both follow. It is necessary to completely remove the disputed elements from my record if there are ongoing inconsistencies. 

Account name : XXXX XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX Account type : XXXX Collection Account Status : XXXX Open Credit Limit : XXXX {$XXXX} Date Opened : XXXX XX/XX/XXXX Payment Status : XXXX Late 120 Days Balance Owed : XXXX {$XXXX} No. of Months ( terms ) : XXXX Past Due Amount : XXXX {$XXXX} Date of Last Activity : XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX Date of last Payment : XXXX XX/XX/XXXX Account Description : Individual Creditor Type : Factoring Companies Payment Amount : XXXX {$XXXX} 2 Year History : XXXX XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) Comments : XXXX Collection account XXXX XXXX XXXX I demand that the information in this claim be verified. Every bit of information should precisely match the standards. Addressing any disparities or even a small misalignment is essential. Make sure that nothing is missed. Any infraction of the standards will not be tolerated by me. Please remove any errors as soon as you can. 

Account name : XXXXXXXX XXXX XXXX Equifax Account # : XXXX XXXX Account type : XXXX Account Status : XXXX Closed Credit Limit : XXXX {$XXXX} Date Opened : XXXX XX/XX/XXXX Payment Status : XXXX Collection/Chargeoff Balance Owed : XXXX {$XXXX} No. of Months ( terms ) : XXXX XXXX  Month ( XXXX ) Past Due Amount : XXXX {$XXXX} Date of Last Activity : XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX Date of last Payment : XXXX XX/XX/XXXX Account Description : Individual Creditor Type : Personal Loan Companies Payment Amount : XXXX {$XXXX} 2 Year History : XXXX XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) Comments : XXXX Charged off account Amount in high credit original chargeoff amount REGIONAL FIN Providing unquestionable proof that this account complies with strict industry standards is your responsibility. It should be immediately and completely removed from my credit history if its validity is not confirmed. 

Account name : XXXX XXXX XXXX  Equifax Account XXXX : XXXX XXXX Account type : XXXX Auto Loan Account Status : XXXX Closed Credit Limit : XXXX {$XXXX} Date Opened : XXXX XX/XX/XXXX Payment Status : XXXX Collection/Chargeoff Balance Owed : XXXX {$XXXX} No. of Months ( terms ) : XXXX XXXX  Month ( XXXX ) Past Due Amount : XXXX {$XXXX} Date of Last Activity : XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX Date of last Payment : XXXX XX/XX/XXXX Account Description : Individual Creditor Type : XXXX XXXX Payment Amount : XXXX {$XXXX} XXXX  Year History : XXXX XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) Comments : XXXX Charged off account XXXX XXXX XXXX All of the information in my credit report ought to be truthful. not be predicated on conjecture. Please check every entry as soon as possible and provide proof that it follows all necessary guidelines. This issue must be resolved quickly, so please take immediate action. Any information that is inaccurate or noncompliant needs to be removed right away. I hope you realize that this is an expectation rather than a request. 

Inquiry Creditor : XXXX : ( XXXX ) Date : XXXX : ( XX/XX/XXXX ) I'm alerting you to unapproved credit inquiries from unfamiliar businesses that have appeared on my credit report. I ask for their immediate removal and official documentation attesting to your investigation and subsequent actions, as these require consent. 

Creditor : XXXX : ( XXXX XXXX ) Date : XXXX : ( XX/XX/XXXX ) I was shocked to see an unauthorized inquiry on my credit report. Knowing that my credit data could be accessed without my express consent is concerning. In accordance with the Fair Credit Reporting Act, I ask that you either remove any relevant inquiries or provide proof of authorization. 

Creditor : XXXX : ( XXXX  ) Date : XXXX : ( XX/XX/XXXX ) I'm extremely concerned about the potential for an unauthorized inquiry to appear on my credit report. The idea that my credit information might be accessed without my permission is unnerving. Information from credit reports can only be viewed with the appropriate authorization, as required by the Fair Credit Reporting Act. Please remove any inquiries pertaining to this company or present these documents as soon as possible. 



Please be advised that it is expected that the issues listed will be resolved quickly and with the seriousness they require. To ensure smooth communication, I have painstakingly updated all pertinent documentation. The essence of accountability and responsibility is embodied by this issue, which goes beyond personal concerns. It is not only morally required, but also a professional obligation, to address these problems as soon as possible. 

I am awaiting the updated version of my credit report, which should include all necessary corrections in accordance with industry standards. Any inaction or delay on this issue will be considered a serious oversight. Building trust requires accuracy and promptness. Any departure from these criteria will be seen as a betrayal of confidence. I hope that such a violation won't happen. 

The request for representation complies with the rules governing our sector. Errors have consequences that go beyond just numbers ; they have the power to drastically change lives and futures. I therefore look forward to your prompt response and compliance with these requirements. 

The goal of this communication is to ensure adherence to the strict guidelines maintained by regulatory bodies across the country and to encourage remedial action. Recall that accuracy is a necessity rather than an extravagance. Let 's cooperate in upholding this crucial idea. 

Warmly. 

Despite my legitimate request, Equifax has failed to adequately address the issues raised, causing significant distress and continuing to impact my personal financial health negatively.As a consumer, I am legally entitled to have any misinformation or inaccuracies rectified, following a comprehensive review process as outlined by the Fair Credit Reporting Act ( FCRA ). However, Equifaxs failure to follow through on this investigation not only disregards consumer protection laws but also undermines the trust expected from a credit reporting agency of its stature. 

Given the severity of these inaccuracies and the subsequent impacts on my credit standing, I am writing to demand the immediate removal of all erroneous items from my credit report. It is crucial for Equifax to take swift action to ensure these corrections are completed, upholding the integrity of the credit reporting system and easing the undue burden currently placed on my financial standing. 

I request a written confirmation of the receipt of this formal complaint and a detailed plan outlining the remedial actions to be taken by Equifax. Furthermore, I expect all inaccurate items to be rectified or removed from my credit report without delay, as maintaining false information contravenes my consumer rights. 

Failure to appropriately address this matter will compel me to explore further legal remedies, ensuring my rights are protected under consumer credit reporting laws. 

Thank you for your immediate attention to this urgent issue. I look forward to resolving this matter amicably and promptly. 

Sincerely,

Company response to consumer: Closed with non-monetary relief