Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: SC
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'm filing a complaint on behalf of XXXX Equifax and XXXX on violating my rights. Below are the accounts that were published without my consent or validation. They have failed to maintain reasonable procedures to assure accuracy on my credit report. It's credit reporting laws to assure that the bureaus report 100 % accurate information and if not they should be liable for non-compliance. The following accounts need to be investigated immediately and I respectfully request to be provided proof of the alleged items. I'm requesting the original application, contract note or other instruments bearing my signature and failing to do so, the accounts must be deleted from my profile. Under federal law, the credit bureaus have 30 days to complete their investigation and I'm also requesting information on the investigation within 15 days. The agencies are in violation of 15 U.S.C. 1692g because I was never notified in writing 5 days prior. As the original creditor I can only validate the debt and I didn't validate the debt so therefore the accounts must be deleted. 

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$460.00} written off. {$460.00} past due as of XXXX XXXX. 


Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Open. {$5.00}, 435 past due as of XXXX XXXX. 

Account info Account name XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX XXXX Date opened XX/XX/XXXX Status Repossession. {$11.00}, 146 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Time Share Responsibility Joint with XXXX XXXX XXXX Date opened XX/XX/XXXX Status Foreclosed. 
Status updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$410.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$410.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$790.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$790.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$950.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$950.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXXXXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$560.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$560.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, 377 past due as of XXXX XXXX. 
Status updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation