Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists EQUIFAX says they VERIFIED the following however EQUIFAX did not receive the name, address or phone of the friend and family member they called to verify this. EQUIFAX can not verify this information with the partners/companies that initiated the reporting. If the bureau or furnisher who is required to conduct an investigation and verify the information is accurate and complete, are unable to - or if the furnisher that reported the information fails to respond to the verification request with full evidence, they are required to delete it. 

A summary of the results are listed below : Trade : XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : SCHEDULED PAYMENT, CHARGE OFF AMOUNT, ACTUAL PAYMENT, STATUS, CREDIT LIMIT Trade : XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. Trade : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. Trade : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. Trade : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. Collection : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ADDITIONAL INFORMATION Collection : XXXX XXXX XXXX  EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. 

EQUIFAX has reported the following address : These should be removed as they don't belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to obtain my written consent : Under 15 USC 1681, section 604a ( 2 ), EQUIFAX is only permitted to furnish consumer reports with the written instructions of the consumer to whom the report relates. I have not provided EQUIFAX with written consent to furnish my information, yet it has done so without authorization.

Inaccurate reporting : As per 15 U.S. Code 1681s2 ( A ) ( 1 ), EQUIFAX is prohibited from furnishing any information to a consumer reporting agency if it knows or has reasonable cause to believe that the information is inaccurate. However, EQUIFAX has reported inaccurate information in my credit file, resulting in adverse actions taken against me by lenders.

Lack of reasonable procedures : According to 15 U.S. Code 1681e, EQUIFAX must maintain reasonable procedures to avoid violations of the FCRA and limit the furnishing of consumer reports to authorized purposes. However, EQUIFAX has failed to maintain such reasonable procedures, leading to inaccuracies in reporting and subsequent harm to my creditworthiness.

Company response to consumer: Closed with non-monetary relief