Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022, I filed a complaint with the CPFB to remove inaccurate information thats being reported on my credit report. In accordance with the XXXX, the list of accounts and their reasonable responsibility to report accurate information is in both a violation of my rights and neglect on their part. Federal law according to 15 USC 1681, a consumer has the right to privacy and confidentiality ; 15 USC 1681C4, accounts placed for collection are charged to profit and loss which antedate the report by more than seven years ; section 5 of 15USC 1681C states that : any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

These companies are in clear violation of the law. 15 USC 1681C-21 prohibits a person from furnishing any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that that information is inaccurate. I submitted the necessary information in good faith, hoping that major corporations would adhere to federal law, and to no avail. 

Equifax reported back on XX/XX/2022 : -that account # XXXX XXXX XXXX ( 42 violations were found ) was verified and accurate and updated -XXXX account number XXXX was verified accurate and updated XXXX account XXXX with 18 violations. This company isnt recognizable nor do I have a signed contract with the company. 

XXXX reported on XX/XX/2022, that the accounts that are reporting were accurate verified and updated. This is another careless and overlooked error according to 15 USC 1681S 21. Accounts are as follows : XXXX XXXX XXXX, with 42 federal violations XXXX XXXX XXXX with 27 federal violations XXXX XXXX XXXX with 17 federal violations XXXX account system with 18 federal violations. 

XXXX XXXX XXXX reported on XX/XX/2022, that the accounts to which I complained about, and was in clear violation of 15 USC 16815S 2-1, were verified, accurate an updated, to which the information is still inaccurate and violate my right as a consumer. The accounts are as follows : XXXX XXXX XXXX account XXXX : 42 counts of inaccurate information and violation XXXX XXXX account XXXX, with 27 counts of inaccurate information and violations XXXX XXXX account XXXX, with 17 counts of inaccurate information and violations. 

The three credit bureaus stated that my accounts were properly investigated and the information was accurate. Here are the inaccuracies : -date of last activity : inaccurate -high balance : inaccurate -last verified : inaccurate -date reported : inaccurate -close date : inaccurate -creditor remark : in accurate -payment history : inaccurate Lastly, 15 USC 16 81 section 602 A states that I have the right to privacy. 15 USC 16,81, section 604 A states, a consumer reporting agency can not furnish an account without written instruction, and I didnt consent to any agreements. 

Please ask them to provide, as part of the investigation, documents supporting agreement or consent to report information. Knowing my rights as a consumer, I humbly ask that all adverse information be removed according to Federal Law.

Company response to consumer: Closed with explanation