Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: PA
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:
Additional Relevant Information : I have informed Equifax numerous times via dispute letters and previous CFPB complaints that the information being reported to my credit file is inaccurate and/or unauthorized. As per my latest dispute via CFPB, Equifax responded with a generic message stating that an internal review was completed and results were mailed to me. Equifax has Broken the Law and Violated my consumer rights under the Fair Credit Reporting Act. Equifax has failed to properly reinvestigate and delete the disputed items from my credit file resulting in injury not limited to being declined for new credit, mental anguish and XXXX. 
Listed is the account with inaccurate/erroneous information and an unauthorized Inquiry that Equifax negligently failed to remove from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attached documents and what they contain that support inaccuracy dispute : Exhibit A- Equifax report reflecting Payment info of inaccurate account Exhibit B - Equifax report Reflecting Details of inaccurate account Exhibit C -Notice from Debt Collector that alleged debt has been sold to them Exhibit D - copied page from the credit file XXXX Statement - XXXX  XXXX statement XXXX Statement - XXXX  XXXX statement Explanation of Documents Equifax furnishes Date of Last Payment as XX/XX/XXXX. As per XXXX Statement document the Date of Last payment was XX/XX/XXXX Equifax furnishes Date of Last Delinquency as XX/XX/XXXX. As Per XXXX Statement document the Date of Last Delinquency was XX/XX/XXXX Equifax furnishes that the account was 60 days late in XX/XX/XXXX. As per XXXX statement document account was 30 days late in XX/XX/XXXX Equifax furnishes the account reflecting an alleged balance still owed to XXXX. As per Exhibit C document the alleged debt has been sold to a debt collector and no longer belongs to XXXX Equifax stated on XX/XX/XXXX in credit file mailed to me after they received FTC report via certified mail, Tracking # XXXX, that they removed the inquiry listed above. As of today, XX/XX/XXXX the inquiry still remains on my credit file. 

Pursuant to 15 U.S.C 1681 ( b ) ( 2 ) I, XXXX XXXX, never gave Equifax any written instruction to furnish information on my consumer report, No consent is identity theft. 

Pursuant to 15 U.S.C 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate. Equifax negligently allowing inaccuracies and unauthorized information to be furnished on my consumer reports has caused me to lose confidence in the banking system. 

Pursuant to 15 U.S.C 1681 My first express resolution is to be compensated for all violations as well as for injury in the form of a check to my recent address listed on my credit file within 10 days. I demand that all disputed accounts be deleted from my credit file as well as all unauthorized inquiries within 5 days. I am requesting an accurate copy of my credit report once the items have been removed. I am requesting no reinsertion of the alleged debt once it has been removed.

Company response to consumer: Closed with explanation