Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I, XXXX XXXX a XXXX, have been adversely affected by the false and inaccurate information on my credit report. I have previously disputed the inaccurate account reported by EQUIFAX in collection status as of XX/XX/2022 from XXXX XXXX XXXX in the amount of {$800.00}. EQUIFAX knowingly and willfully violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act by failing to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and failed to delete the account from the file. Despite my numerous attempts to dispute this account with EQUIFAX as shown currently on MyEquifax account online, EQUIFAX denied my right to a fair and accurate report Pursuant to 15 U.S. Code 1681 ( b ) which states If, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer Pursuant to the FCRA 15 U.S.C. 1681i ( 5 ) ( A ) ( i ). The account xxxxxxxxxxxxxxxx XXXX from XXXX XXXX XXXX in the amount of {$800.00} can not be verified because it is inaccurate and has already been removed from my XXXX and XXXX report, therefore it is unable to be verified from EQUIFAX. Thus proving EQUIFAX has failed to exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy Pursuant to 15 U.S. Code 1681 ( a ) ( 4 ). 
I have suffered from damage to my credit worthiness and received an adverse action letter from XXXX XXXX due to this inaccurate account on my consumer report. I have record of over 10 phone calls made to EQUIFAX demanding this account be removed and EQUIFAX representatives used profane language on the recorded line and refused to remove the inaccurate account from my report. The EQUIFAX XXXX XXXX XXXX ID XXXX refused to remove the account and insisted the account was verified and accurate. On XX/XX/2022 I have record of the phone call with an EQUIFAX representative who verified there is no record of my consent to share my personal credit information with this XXXX XXXX XXXX XXXX XXXX which is a direct violation of 15 U.S. Code 1681b. EQUIFAX did not have Permissible purpose to use my consumer report, as well as a violation of the Equifax Data Sharing Policy. I have filed a previous CFPB Complaint and I have contacted EQUIFAX Executive Consumer Services and EQUIFAX XXXX XXXX XXXX on XX/XX/2022 and EQUIFAX still failed to accurately reinvestigate the account and remove it from my report. I am now exercising my rights under the law. These rights include, but are not limited to, civil liability for damages pursuant to 15 U.S. Code 1681n. I demand EQUIFAX promptly and immediately remove the account xxxxxxxxxxxxxxxx XXXX from XXXX XXXX XXXX in the amount of {$800.00} and provide monetary relief for the consistent willful violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation