Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6353664

Complaint Overview

Complaint ID: 6353664

Company: Equifax, INC.

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a credit reporting company's investigation into an existing problem

Sub-Issue: Investigation took more than 30 days

State: New York

ZIP Code: 11520

Date Received: 2022-12-22T12:00:00-05:00

Date Sent to Company: 2022-12-22T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I sent XXXX XXXX, equifax letters disputing fraudulent accounts and inaccurate billing errors on my credit report on XXXX. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. XXXX XXXX, equifax failed to remove or verify the fraudulent accounts Ive reported. Section 609 (a)(1)(A), of the Fair Credit Reporting Act XXXX XXXX equifax are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demanded to see verifiable proof with my signature that XXXX XXXX, equifax have on file for the account listed below. . It has been more than 30 days and XXXX XXXX, equifax have not sent any verifiable proof. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof XXXX XXXX, equifax must remove the accounts and billing errors listed listed below. 1. The following account is not mine send me verifiable proof like a signed contract or delete XXXX XXXX ,AccountNumber: XXXX. you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report 2.The following account is not mine send me verifiable proof like a signed contract or delete XXXX XXXX XXXX XXXX AccountNumber:XXXX you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report 3.The following account is not mine send me verifiable proof like a signed contract or delete XXXX XXXX XXXX XXXX AccountNumber: XXXX you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report 4.The following account is not mine send me verifiable proof like a signed contract or delete XXXX XXXX XXXX (Original creditorXXXX XXXX XXXX XXXX AccountNumber: XXXX you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report 5.The following account is not mine send me verifiable proof like a signed contract or delete U S DEPT OF ED/XXXX Balance$XXXX Account numberXXXX Date openedXXXX XXXX XXXX you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report 6.The following account is not mine send me verifiable proof like a signed contract or delete U S DEPT OF ED/XXXX Balance$XXXX Account numberXXXX Date openedXXXX XXXX XXXX you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report 7.The following account is not mine send me verifiable proof like a signed contract or delete U S DEPT OF ED/XXXX (Original creditorXXXX XXXX XXXX XXXX) Balance$XXXX Account numberXXXX Date openedXXXX XXXX XXXX you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report 8.The following account is not mine send me verifiable proof like a signed contract or delete U S DEPT OF ED/XXXX Balance$XXXX Account numberXXXX Date openedXXXX XXXX XXXX you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report 9.The following account is not mine send me verifiable proof like a signed contract or delete U S DEPT OF ED/XXXX Balance$XXXX Account numberXXXX Date openedXXXX XXXX XXXX you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report 10.The following account is not mine send me verifiable proof like a signed contract or delete U S DEPT OF ED/XXXX Balance$XXXX Account numberXXXX Date openedXXXX XXXX XXXX you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report 11.The following account is not mine send me verifiable proof like a signed contract or delete U S DEPT OF ED/XXXX Balance$XXXX Account numberXXXX Date openedXXXXXXXX XXXX XXXX you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report 12.The following account is not mine send me verifiable proof like a signed contract or delete U S DEPT OF ED/XXXX Balance$XXXX Account numberXXXX Date openedXXXXXXXX XXXX XXXX you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report 13.The following account is not mine send me verifiable proof like a signed contract or delete U S DEPT OF ED/XXXX Balance$XXXXXXXX Account numberXXXX Date openedXXXXXXXX XXXX XXXX XXXXou are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report 14.The following account is not mine send me verifiable proof like a signed contract or delete U S DEPT OF ED/XXXX Balance$XXXX Account numberXXXX Date openedXXXXXXXX XXXX XXXX you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report 15.The following account is not mine send me verifiable proof like a signed contract or delete XXXX XXXX XXXX Balance$XXXX Account numbeXXXX Date opened:XXXX XXXX XXXX you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report 16.The following account is not mine send me verifiable proof like a signed contract or delete U S DEPT OF ED/XXXX Balance$XXXX Account number: XXXX Date opened:XXXX XXXX XXXX you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report 17.The following account is not mine send me verifiable proof like a signed contract or delete XXXX XXXX XXXX XXXX ,AccountNumber:XXXX. you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report 18.The following account is not mine send me verifiable proof like a signed contract or delete XXXX XXXX AccountNumber: XXXX you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report 19.XXXX XXXX XXXX ,AccountNumber: XXXX I was never late on this account but your reporting late payments on my report. you are violating 15 U.S. Code 1692c (c) of FCRA with this report please remove all late payments on this account . 20.XXXX XXXX XXXX ,AccountNumber: XXXX. I was never late on this account but your reporting late payments on my report. you are violating 15 U.S. Code 1692c (c) of FCRA with this report please remove all late payments on this account .

Frequently Asked Questions

Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

Related Pages

• Equifax, INC. Company Profile
• Credit reporting, credit repair services, or other personal consumer reports Complaints
• Problem with a credit reporting company's investigation into an existing problem Complaints
• New York Complaints
• Company Rankings
• Company Directory
• Search Complaints