Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: MO
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:
Upon intense inspection of my credit file I found a total of SIXTY-NINE ( 69 ) errors and therefore SIXTY-NINE ( 69 ) violations Equifax made against me XXXX Proof of these errors/violations has been attached to this CFPB complaint. These violations include but are not limited to ( as compared to other consumer reporting agencies XXXX & XXXX ) : Dates alleged accounts were opened No. Of Months ( terms ) High Credit Date Last Active Date of Last Payment Monthly payment status Remarks of investigation The verification of these accounts as accurate is IMPOSSIBLE if other consumer agencies ( who ALSO obtain information from the original furnishers ) have published contradictory information. Further publishing of these inaccurate accounts is PROOF OF WILLFUL NON-COMPLIANCE of lawful publishing and purports a NON-COMMITAL to accuracy. 

I am distressed that Equifax has included the information below in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that credit reporting agencies ONLY report 100 % accurate credit information. Therefore every step must be taken to assure the information reported is completely accurate. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify, through the PHYSICAL verification of the original signed consumer contract, ANY and ALL accounts that you post on a credit report. Otherwise ANY accounts made as a result of my stolen sensitive information could be published on my report. 

I demand that the following accounts be VERIFIED or REMOVED immediately : 1. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 2. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX XXXX CARD SERVICE Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 3. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 4. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX  Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 5. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 6. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT I respectfully request to be provided proof of these alleged accounts, specifically the ORIGINAL consumer contracts, note or other instrument BEARING MY SIGNATURE.

Company response to consumer: Closed with explanation