Consumer complaint received 2025-03-04 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: DE

Complaint narrative:
This letter serves as a formal complaint that you Equifax continue to report inaccurate and incomplete information on my credit report after I have previously disputed this inaccurate and incomplete information. You have failed to provide proof of your investigation which is a violation of my rights and is causing me great mental and physical anguish. 

The following personal information appears on my Equifax report as of today XX/XX/XXXX XXXX. My name is XXXX XXXX. You are reporting another name that reads XXXX XXXX XXXX which is not my name please delete this inaccurate name from my report. List my accurate and correct name XXXX XXXX. 
XXXX. You are reporting XXXX XXXX XXXX  XXXX, and XXXX XXXX as my employment information. Please delete all of these inaccurate employers listed as they are not my employer nor have they ever been my employer. 
XXXX. You are reporting XXXX XXXX XXXX XXXX XXXX, DE XXXX as my address. That is not my address nor have I lived there. So please delete the inaccurate addresses. My mailing address is XXXX XXXX XXXX XXXX, De XXXX. I have provided you with proof of my name and mailing address numerous times and you have failed to update my report with accurate information each time. I so kindly ask that update this information quickly and efficiently. 

The following accounts appears on my Equifax credit report as of today XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$19000.00}. 
I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and transaction records of all payments made and missed since I opened this account. '' I do not agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, if you are unable to provide the requested documentation of proof please update all payment history on this account to paanl ( paid as agreed, never late ) XXXX. XXXX XXXX XXXX  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$730.00}. 
I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I do not agree with the results of your investigation. Please provide me the proof of your investigation and proof of the negative payment status for this account, or delete any negative remark for this account and Update the payment history on this account to paanl ( paid as agreed, never late ). 

XXXX. XXXX XXXX  XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$180.00}. 
I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. I do not agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account and update the payment history on this account to paanl ( paid as agreed, never late ). 

XXXX. Collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$7000.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or block and delete this account from my credit report. I don't agree with the results of your investigation. Please provide me the proof of your investigation and proof that this debt collector has a legal right to collect, or block and delete this account. 

XXXX. Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$690.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or block and delete this account from my credit report. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

In light of the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response in your response to this complaint. Thank you.

Company response to consumer: Closed with explanation