Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I mailed Equifax a letter regarding the derogatory reporting of XXXX '. This account was opened in XXXX as a charge card from a retail store. For this specific charge card, credit was extended to me indirectly by the issuer of a credit card or similar device. 
Pursuant to 15 USC 1681a ( 2 ) ( 8 ) - Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is " the term 'credit card ' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit ''. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. This account should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( 8 ). I am demanding that Equifax remove this transaction from my report immediately as it is a violation of my rights as a federally protected consumer under Title 15 Chapter 41.

As of XXXX XXXX XXXX Equifax is still reporting this account as 'Open ' when this account was closed by grantor back in XXXX XXXX XXXX. Why is it that almost two years later Equifax has been reporting the wrong status of along with account information and I asked for a reinvestigation of this account and it came back verified. In XXXX XXXX, I received a response from both Experian and Equifax stating that the following account could not be verified nor validated, and it was immediately removed from my credit file. I have included a screenshot of the account that shows it has been deleted from the other consumer reporting agencies. 
CB/VICSCRT - Account # : XXXX Pursuant 15 USC 1681i and its subsections, as a consumer I have requested that ALL FURNISHERS related to this account and consumer reporting agencies in which this item has been disputed be notified of the deletion of this account due to failure to prove its validity.

Under 15 USC 1681b - Permissible purposes of consumer report ( a ) In General - Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX, never gave Equifax any written consent to report anything on my consumer report, No consent is identity theft. A copy of the law is attached with this dispute letter. Please produce a contract between me and Equifax showing that I granted permission to furnish this account on my report in the first place. 
I am demanding a deletion of this account since I never gave Equifax permission to furnish this and according to the FCRA any extension of credit directly or indirectly by the issuer of a credit card should be EXCLUDED from consumers credit files.

Company response to consumer: Closed with explanation