Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX # XXXX, who has a consent order for failure to report accurate information is reporting my information incorrectly to XXXX, XXXX and Equifax. I have contacted the bureaus, but they merely rely on the E Oscar system and never do an investigation which is my right under the FCRA. Instead, they just delete data fields or say they have already investigated it. As we know, the credit bureaus must report 100 percent accurate information. So, how can all three bureaus have different information and it be verified at the same time? This is not accurate. Additionally, Equifax, XXXX, and XXXX has reported differently. However, the LAST UPDATE on all three credit bureaus are all reporting differently ; Equifax has last update on XX/XX/XXXX, XXXX has last update on XX/XX/XXXX, XXXX has last update on XX/XX/XXXX. Equifax : has charge off, XXXX has charge off as bad debt, and XXXX has unpaid balance reported as a loss by credit grantor. On CLOSE DATE : Equifax has no date, XXXX reports the close date as XX/XX/XXXX, and XXXX has no date reported. HIGH BALANCE : Equifax does not report a high balance, XXXX reports the balance as {$25000.00}, and XXXX reports the high balance as {$25000.00} I want this deleted from all three credit bureaus as they have violated my rights by reporting inaccurate information and have caused financial harm because of it. In accordance with the FCRA, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 1692. XXXX XXXX XXXX XXXX # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1692c 15 U.S. Code 1692b ( 3 ) 15 U.S. Code 1692b ( 4 ) 15 U.S. Code 1692b ( 5 ) Also, XXXX XXXX XXXX XXXX discussed that they will not sue. Well why keep this on my credit report and after I have explained that per the Judge order he left the car in XXXX XXXX possession. I have faxed over the Divorce Decree back in XXXX of XXXX stating that the judge have left the car in his possession. I have called several times and explained why this car needs to be removed from my credit file. The XXXX XXXX XXXX XXXX has harmed my personal life such as me getting a place for me and my XXXX children. I have been homeless, due to my credit. I have a right to have a clean slate in my life. This XXXX XXXX XXXX XXXX that's been reporting on my credit for 7 years 9 months which that's what the opened date is XX/XX/XXXX on my credit report be harming me in my personal life. Once again I am demanding this XXXX XXXX XXXX XXXX car be removed off of all three credit bureaus immediately.

Company response to consumer: Closed with explanation