Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX 2023, I reviewed my consumer report and to my dismay, I discovered inaccuracies that have had a detrimental impact on my financial standing. These inaccuracies are not only false but also misleading, as they do not reflect my true financial history and creditworthiness. As a result, I have faced difficulties in obtaining credit, securing favorable interest rates, and private business opportunities. 
I have taken the necessary steps to dispute these inaccuracies with the credit reporting agency, but despite my efforts, they have not been rectified. I believe that the erroneous information is in violation of the Fair Credit Reporting Act ( FCRA ) and is causing me undue financial harm. 


XXXX XXXX My records reflect security finance is falsely reporting an account that does not belong to the consumer. The consumer is requesting a signed affidavit under the penalty of perjury from the board of directors of XXXX XXXX that confirm that this debt is lawfully owed, and security finance suffered a profit and loss and are able to provide the required tax forms to validate their claim. Failure to provide this information within 4 days will require XXXX XXXX to delete this information because the consumer identifies this information as identify theft. The consumer is demanding the right to opt of all negative and inaccurate information being reported. 

XXXX XXXX My records reflect that XXXX XXXX is illegally treating a credit card amount under a open end consumer credit plan and reflecting late payments which is a violation because it is an experience between the consumer and XXXX XXXX. The consumer is demanding that all late payments and utilization be deleted and removed or reported as accurate and 100 % paid on time. The consumer is demanding the right to opt out of all negative and inaccurate information being reported. 


XXXXXXXX XXXX XXXX XXXX  My records reflect that XXXX XXXX XXXXXXXX XXXX is illegally treating a credit card amount under an open-end consumer credit plan and reflecting late payments which is violation because it is an experience between the consumer and XXXX XXXX The consumer is demanding that all late payments and utilization be deleted and removed or reported as accurate and 100 % paid on time. The consumer is demanding the right to opt out of all negative and inaccurate information being reported. 

XXXX XXXX - My records reflect that XXXX XXXX is illegally treating a credit card amount under an open-end consumer credit plan and reflecting late payments which is violation because it is an experience between the consumer and XXXX XXXX. The consumer is demanding that all late payments and utilization be deleted and removed or reported as accurate and 100 % paid on time. The consumer is demanding the right to opt out of all negative and inaccurate information being reported. 

XXXX XXXX XXXX XXXX XXXX My records reflect XXXX XXXX XXXX XXXX is falsely reporting an account that does not belong to the consumer. The consumer is requesting a signed affidavit under the penalty of perjury from the board of directors of XXXX XXXX XXXX XXXX that confirm that this debt is lawfully owed, and XXXX XXXX XXXX XXXX suffered a profit and loss and are able to provide the required tax forms to validate their claim. Failure to provide this information within 4 days will require XXXX XXXX XXXX XXXX to delete this information because the consumer identifies this information as identify theft. The consumer is demanding the right to opt out of all negative and inaccurate information being reported. 

XXXX XXXX XXXX XXXX - My records reflect that XXXX XXXX XXXX XXXX is illegally treating a credit card amount under an open-end consumer credit plan and reflecting late payments which is violation because it is an experience between the consumer and XXXX XXXX XXXX XXXX XXXX The consumer is demanding that all late payments and utilization be deleted and removed or reported as accurate and 100 % paid on time. The consumer is demanding the right to opt out of all negative and inaccurate information being reported. 

XXXX XXXX XXXX My records reflect XXXX XXXX XXXX is falsely reporting an account that does not belong to the consumer. The consumer is requesting a signed affidavit under the penalty of perjury from the board of directors of XXXX XXXX XXXX that confirm that this debt is lawfully owed, and XXXX XXXX XXXX suffered a profit and loss and are able to provide the required tax forms to validate their claim. Failure to provide this information within 4 days means XXXX XXXX XXXX agrees to delete this information to protect the consumer. The consumer is demanding the right to opt out of all negative and inaccurate information being reported. 

XXXX XXXX XXXX My records reflect XXXX XXXX is falsely reporting an account that does not belong to the consumer. The consumer is requesting a signed affidavit under the penalty of perjury from the board of directors of XXXX XXXX that confirm that this debt is lawfully owed, and XXXX XXXX suffered a profit and loss and are able to provide the required tax forms to validate their claim. Failure to provide this information within 4 days will mean that XXXX XXXX agrees to delete this information to protect the consumer. The consumer is demanding the right to opt out of all negative and inaccurate information being reported.

Company response to consumer: Closed with non-monetary relief