Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: CA
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 sent my letter off on XXXX XXXX XXXX. I told the credit bureaus to investigate every piece of information on my credit report. 
I am contacting you because you claimed to have completed a reasonable investigation with the Furnisher of information and verified the account listed below as reporting 100 % accurate. However, the accounts below are STILL inaccurate, and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
According to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

It was stated, accounts on my consumer report were verified but how is that possible if they did not do a proper investigation according to the law.

Per 15 U.S.C 1681 Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer Please see attached most recent credit report still showing inaccuracies. 

Please see attached Certified mail recipe from my investigation dispute letter sent on XXXX. 
Please see attached for my dispute letter sent on XX/XX/2023 to investigate to make sure all accounts are reporting 100 % accurate due to the FCRA. 

Account name XXXX XXXX Account number - XXXX 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. 



Account name XXXX Account XXXX XXXX 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. 


Account name XXXX Account number XXXX 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. 


Account name XXXX XXXX XXXX Account number XXXX 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. 

Account name XXXX Account number XXXX 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. 

Account name XXXX Account number XXXX 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. 



Account name XXXX XXXX  Account number XXXX 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. 

Account name XXXX XXXX XXXX  Account number XXXX 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.

Company response to consumer: Closed with explanation