Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: LA
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:
I have no knowledge of this account the FCRA violations as following See 15 U.S.C. 1692 ( c ). 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person ( furnisher of information ) shall ( A ) conduct an investigation with respect to the disputed information ; ( B. review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C. report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. Section 623 of the Fair Credit Reporting Act ( FCRA ), enforceable under the Fair and Accurate Credit Transactions ( FACT ) Act ; affords consumers the right to request that the furnisher of information conduct a reasonable investigation into the completeness and accuracy of the information being reported to the credit bureaus. Furnishers of information ( especially OCs ) are required under Section 312 of the FACT Act to establish and maintain guidelines on the accuracy and integrity of information furnished to credit bureaus, which means they should be able to conduct a proper investigation or records. Failure to preform a reasonable investigation can constitute legal action under the FCRA, Section 616, for willful non-compliance. Case law establishing liability of reporting inaccurate information was established in Richardson v. Fleet and Nelson v. Chase Manhattan. Failure to conduct a reasonable investigation can also lead to complaints being filed with your states Attorney General, the Federal Trade Commission and the Consumer Financial Protection Bureau. I have asked before for account validation and this has not been done please delete this false and illegal information from my credit report permanently and immediately this creditor has no legal right to report anything to any of the CRAS

Company response to consumer: Closed with explanation