Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: MT
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:
I have made a request through the cfpb on XX/XX/XXXX that the following information be investigated by XXXX Equifax and XXXX to be and verified. They have had plenty of time to complete their investigation per standard investigation days allotted. They have failed to do so to verify or authenticate these accounts in any shape way or form I have not received a response from this company nor have I received anything to do with any kind of Investigation on any of these accounts at all from XXXX Equifax or XXXX. I request now them to be removed immediately with monetary relief finding XXXX Equifax and XXXX for each violation separately also have the accounts removed from my credit report ASAP. These accounts are as followed that have been previously asked to be investigated through the cfpb on XX/XX/XXXX. These accounts are as followed ; Accounts : XXXX XXXX for {$360.00}. Account Opened XX/XX/XXXX. No account number given. XXXX XXXX XXXX for {$71.00} opened XX/XX/XXXX Account XXXX not given. XXXX XXXX XXXX for {$600.00} Opened XX/XX/XXXX. No account number given. XXXX XXXX Bank XXXX. XXXX reported XX/XX/XXXX Account opened on XX/XX/XXXX. Account number not given. XXXX XXXX for {$350.00} open XX/XX/XXXX. No account number given. Hard Inquiries : XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/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 XXXX XXXXXX/XX/XXXX XXXX XXXX bank on XX/XX/XXXX, has violated my rights. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 15 U.S.C. 1681 ( A ) ( 3 ). Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers 15 U.S.C. 1681 ( A ) ( 4 ). There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C. 1681i ( 2 ) ( A ). They have had more than a lot of time to respond to my request and yet they have not responded effectively or efficiently in resolving this matter. This is very concerning to me that false information be on my profile and to have no response at all from this company whatsoever not even to acknowledge that they are investigating my account and what is on my credit profile. Furthermore I have since made request to investigate these accounts have been prompted to pay for a monthly subscription fee to delete things from my credit profile. Which is illegal and wrong of XXXX to ask for any shape or form of payment to correct information from My Own Credit profile they have been reporting false information for years and they need to pay for embarrassing my credit profile. Please see to it that this information is finally removed from my credit profile from XXXX Equifax and XXXX credit profiles. They need to reflect all the same information not different information to confuse people who read my credit profile. I asked that this request be made within 5 days so that my rights have been exercised and my information is correct finally and my credit score can be adjusted to the correct number and these accounts stop holding me back from my accurate credit score. Please monetary relief for every single violation I have had on my credit profile for years. Please make them responsible for embarrassing my credit profile all along. I will not take an apology from this company as a result. I have exercised my rights and the law to make sure that my credit profile is made correct and they have had the opportunity to provide the information for verification of these accounts but have not followed through in time allotted they have had extra time in fact please erase this information from all three credit profiles as soon as possible along with finding them monetary relief for every violation occurred. Thank you very much.

Company response to consumer: Closed with explanation