Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: CA
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, XXXX XXXX, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). I just received my investigation results. Complaint # XXXX and saw an account was verified. However, I have a few questions : how did you complete your investigation? Did you talk to my neighbors, friends, or family? if so, please inform me of the person who completed the investigation. How did you do a thorough investigation if there are still several inaccuracies on my credit report? I do not recognize any of these accou

nts. One more thing, I was reading the FCRA and noticed you VIOLATED these laws as well : 15 USC 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 consumer 's right to privacy. 15 USC 1681 Section 603 ( E ) States ; The term " investigative consumer report '' means a consume report or portion thereof in which information on a consumer 's 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
You stated that it is company policy for hard inquiries to remain on a consumers credit report for 2 years. However POLICY IS NOT LAW! I do not recognize these accounts. This is grounds for removal. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681i. ( 5 ) ( A ) ( i ) 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 form the file of the consumer, or modify the item of information, as appropriate, based on the results of the reinvestigation ; I, XXXX XXXX, consumer and natural person, am aware of all of the rights i have, and which are protected by the Congress under the FCRA. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account Date : XX/XX/2021 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Delete this account immediately unless you want to be held liable {$1000.00} per violation Account name : XXXX XXXX XXXX Account Date : XX/XX/2021 XXXX XXXX. XXXX section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Delete this account immediately unless you want to be held liable {$1000.00} per violation Account name : XXXX Account Date : XX/XX/2021 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Delete this account immediately unless you want to be held liable {$1000.00} per violation Account name : XXXX XXXX Account Date : XX/XX/2021 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Delete this account immediately unless you want to be held liable {$1000.00} per violation

Company response to consumer: Closed with explanation