Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) 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, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : DEPT OF EDUCATION/XXXX ACCOUNT # XXXX ACCOUNT BALANCE : {$1900.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX ACCOUNT BALANCE : {$6000.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX ACCOUNT BALANCE : {$3100.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX ACCOUNT BALANCE : {$1200.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX ACCOUNT BALANCE : {$1200.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX ACCOUNT BALANCE : {$3800.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX {$3500.00} ; ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX {$3000.00} ; ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX {$5600.00} ; ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX {$6500.00} ; ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX ACCOUNT BALANCE {$5900.00} ; ACCOUNT NAME : XXXX XXXX XXXX  XXXX ACCOUNT # XXXX {$19000.00} ; ACCOUNT NAME : XXXX, XXXX ACCOUNT # XXXX ACCOUNT BALANCE {$150.00} ; ACCOUNT XXXX : XXXX ACCOUNT # XXXX {$0.00} ; ACCOUNT NAME : XXXX ACCOUNT # XXXX {$0.00} ; ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX {$0.00} ; ACCOUNT NAME : XXXX ACCOUNT # XXXX {$610.00} ; ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX {$1600.00} ; ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT # XXXX {$300.00} ; I have attached a copy of my ID for identity verification and a bill for address verification.

Company response to consumer: Closed with explanation