Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: FL
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:
In response to the Equifax Credit Reporting Agency reinvestigation results Ive received dated XX/XX/XXXX. I have uploaded my Credit Report BEFORE the reinvestigation ( XX/XX/XXXX ) and AFTER the reinvestigation ( XX/XX/XXXX, XXXX ) which in fact remains the inaccurate and incomplete accounts on the Credit Report date XX/XX/XXXX that I received. 


Equifax Credit Reporting Agency never did a proper investigation '' according to the FCRA.

15 USC1681 ( 2 ) ( e ) ) The term " investigative consumer report means a consumer 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.

They did not do that. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Act. 
EVERYTHING has to be 100 % accurate on my credit report AND, IT IS NOT 100 % ACCURATE in spite of Equifax VERIFIED ALL DISPUTED ACCOUNTS AS ACCURATE, in which they are continuosly reporting the inaccurate and incomplete accounts to my Credit Report THAT IS A VIOLATION in pursuant to 15USC1681i ( A ) My documents with notations WILL SHOW the MISLEADING, INACCURATE AND INCOMPLETENESS of the disputes as they were verified as accurate in fact, in violation of the CRA and I want them deleted immediately.

Equifax Credit Reporting Agency stated my accounts was properly investigation, verified as accurate but, how is that possible if the open date is inaccurate, the date of last activity ( XXXX ) is inaccurate, the disputes are opened and complete the same day. Account listed with NO DATA, NO STATUS and NO Payment History that commence to the alleged delinquency. Closed accounts reporting a balance instead of XXXX. Charge Off account list a balance AFTER the ChargeOff Date instead of XXXX and continuing reporting such. Account Payment History list prior months as PAID ON TIME and Next Month i ( 60 days ) delinquent which is in fact inaccurate. This ground for removal of ALL accounts. 

Equifax did not properly reinvestigate my dispute.

15 USC1681 ( S ) ( 2 ) Prohibited as define, Equifax is Prohibited from reporting inaccurate/ incomplete information.

They also violated my rights according to 15 U.S.C 1681 ( A ) ( 4 ).
States I have the right to privacy.

15 U.S.C 1681 ( B ) ( 2 ) It also states a consumer reporting agency can not furnish a account without my written instructions I did not give anybody written consent to report ANY account on my Credit Report.

Your company, Equifax Reporting Agency continuously reporting inaccurate information to my credit report still to this day and by reporting these ERRONEOUS, INACCURATE and INCOMPLETE accounts, it has caused severe damaged to my character, my reputation, my general mode of living and, my ability to obtain credit personal and house purposes. 

In addition to, Equifax inaccurate reporting have damaged my livelihood. 

RE : ( BOTH ) XXXX XXXX  ( XXXX ), XXXX XXXX  ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) I am putting CFPB, FTC, State Attorney Office and Congress on notice that Equifax HAS BEEN in VIOLATION with their reporting with respect to and the purpose of 15 USC 1681 ( a ) Accuracy and Fairness of credit reporting on my Consumer Credit Report, 15US1681 ( e ) Compliance Procedure as stated, ( 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. 

Equifax fail to do just that. When my Credit Report is requested, theres no precautions in place by this Reporting Agency and the information in return reports the inaccurate/ incomplete information without the consideration, creditworthiness, character, and livelihood of me ( the consumer ) and the effects on my ability to obtain credit. They have been provided the relevant documents where it clearly shows such instead they are continuously being reported on my credit report. 

Upon Equifax receiving my dispute that was delivered on XX/XX/XXXX they waited until XX/XX/XXXX to opened a dispute Conformation # XXXX for the inaccurate/ incomplete accounts ( two weeks ) later. This is a violation of 15USC 1681i ( a ) ( 1 ) ( A ) ( 2 ) ( A ) which states Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer, when it comes to disputing my dispute with the creditor/ furnisher. 

I called Equifax XX/XX/XXXX regarding the receipt of my dispute and spoke with a gentleman name XXXX, he said the dispute was in review and it will take 10 days plus an additional 5 days to complete ( document will show it ). In addition to, this recent dispute there were several disputes that repeatedly is in violation of 15 USC 1681i ( a ) ( 1 ) ( A ) ( 2 ) ( A ) and as to HOW they are in violation and DID NOT do a reasonable reinvestigation of my dispute as paragraph ( a ) ( 1 ) ( A ) states. 

On the Dispute Status XX/XX/XXXX a dispute was submitted Conformation # XXXX for account ( XXXX ) XXXX XXXX and completed XX/XX/XXXX, the account came back verified and mailed out to me dated XX/XX/XXXX. Equifax chose to separate my disputes as this account was included in the delivery of my initial dispute of the inaccurate and incomplete accounts the company received on XX/XX/XXXX. On the other hand, I was in receipt of this dispute investigation results BEFORE the submitted dispute on XX/XX/XXXX. HOW CAN THAT BE. Equifax clearly demonstrated misleading tactic which is a violation. The Dispute Status shows XX/XX/XXXX submitted dispute Conformation # XXXX and completed XX/XX/XXXX but, on the Message Page it does not show that the dispute was submitted, it shows a dispute in progress XX/XX/XXXX, and XX/XX/XXXX, completed. On XX/XX/XXXX on the Dispute Page a dispute submitted Conformation # XXXX and completed XX/XX/XXXX, Conformation # XXXX was not listed as they are the same disputed inquiry I did not give my consent to and this to came back verified as accurate. This inquiry has been deleted from my two XXXX XXXXXXXX Credit Reports . XX/XX/XXXX a dispute submitted Conformation # XXXX and it was completed the XX/XX/XXXX. On XX/XX/XXXX a dispute submitted Conformation # XXXX completed XX/XX/XXXX. Once the dispute is mark complete and I am unable to view it ( documents will show ) despite Equifax Dispute Status Page which states the dispute WILL BE AVAILABLE for 30 days This is misleading to me ( the consumer and the Bureau. Disputes are NOT AVAILABLE FOR VIEWING for up to 30 days as the dispute page states. As my documents will show the dispute is completed the same day OR within one to two days, The message page will show there are disputes that shows in progress and completed dates but, it does not show the date it was submitted. If this is true how is it that your company is doing a reasonable investigation in reference to 15 USC 1681i paragraph ( 1 ) ( A ) with respect to disputed information that the accounts comes back accurate and verified. Equifax continued reporting ALL the disputed accounts throughout out the reinvestigation process and thats a violation to Equifax lack effectiveness in the method they chooses ( E-Oscar Algorithm ) in disputing my dispute of the inaccuracies/ incompleteness of the accounts and, how this affect the accuracy and integrity of the information they are reporting on my consumer report. I demand you to DELETE THESE INACCURATE and INCOMPLETE accounts. the law states and not limited to 15 U.S. Code 1681i ( a ) Procedure in case of disputed accuracy, ( 1 ) ( A ) Reinvestigation required if the completeness or accuracy of any item of information contained in a consumers file at a Consumer Reporting Agency is disputed by the consumer and the consumer notifies the agency directly, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. Equifax is in violation of this chapter as THE COMPANY CHOSE to opened my dispute on XX/XX/XXXX, as the document I provided in my complaint the date and conformation number of the dispute and XX/XX/XXXX as the complete d date. 

* duty- a mortal and legal obligation to report * accurate and complete- correct in all details * exact- precise and completely accurate B ) Extension of period to reinvestigate, Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. I have not submitted ANY ADDITIONAL documents relevant to the reinvestigation as ALL RELEVANT DOCUMENTS were delivered on XX/XX/XXXX. Equifax in violation of this paragraph and, ( C ) as stated below. 

C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall- not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. My disputed accounts showed the incompleteness and inaccuracies they received but, was verified by Equifax chosen METHOD TO INVESTIGATE by E-Oscar Algorithm instead of a reasonable reinvestigation to be certain, exact, precise that they are reporting accurate/ complete information to my Credit Report as expected by the CRA XXXX My documents will show the incompleteness and inaccuracies despite the reinvestigation resulted in the accounts being verified as accurate.

( 2 ) Prompt notice of dispute to furnisher of information ( A ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer, the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer. Equifax has not been in compliance with this paragraph as it describes the process in doing a reasonable reinvestigation to avoid being in violation in addition to, ( B ) as stated below according to CRA. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). Equifax is in violation of this paragraph as my dispute was delivered XX/XX/XXXX, but, the reinvestigation was opened XX/XX/XXXX. 

4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. 

In addition to, Equifax chosen method of disputing my dispute of the inaccurate/ incomplete accounts, my Credit Report XX/XX/XXXX have the inaccurate/ incomplete accounts listed and XX/XX/XXXX ( as the completion of the reinvestigation ) have the same accounts listed on the now Update Credit Report which the results of the disputed accounts was verified as accurate and sent to me. This clearly shows the opposite of paragraph ( 1 ) ( A ) Procedure in case of disputed accuracy and this is how my disputes have been / is being disputed since the accounts was reported to my Credit Report and this is clearly a violation of ( 1 ) ( A ). On XX/XX/XXXX I received my dispute investigation results dated XXXX XXXX as the Credit File date in which this is a violation in pursuant to 15 USC 1681i ( 6 ) ( A ), Notice of results of reinvestigation ( A ) A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation. Equifax continuously misleading the Bureau and, ME ( the consumer ) in which XXXX is the date listed on the Dispute Page as the completed date of the reinvestigation not the file date as it appears on my Updated Consumer Report. How can it be the completed date when I received it BEFORE the date. Equifax is misleading in their completion of my dispute. It should have not taken this long when in fact the creditors should have the alleged account information in their procession. Equifax started the reinvestigation XX/XX/XXXX as shown on the dispute page which is in fact a violation of 15 U.S. Code 1681i ( 1 ) ( A ) subsection ( 5 ) and ( 2 ) ( A ) says Prompt Notice of dispute to furnisher of information. Your company was provided RELEVANT SUPPORTING DOCUMENTS that clearly showed the incompleteness / inaccuracies as to XXXX XXXX XXXX ( XXXX ) reporting as two trade lines when in fact is the same account, same alleged open date and, days apart as the alleged First Date Of Delinquency, one shows closed and the other shows as opened to be misleading and Equifax was provided and received the validation letters along with the default letters that was sent to the Collection Agencies showing the creditor DID NOT VALIDATE THE DEBT as my rights to ask of them as a consumer and these accounts warranted a deletion without being reinvestigated. Equifax intentionally continued reporting this inaccurate/ incomplete account. XXXX XXXX XXXX  ( XXXX ) XXXXXXXX XXXX ( ( XXXX ) ) since the company was in receipt of my dispute on XX/XX/XXXX, knowingly, these THREE ACCOUNTS WAS DELETED from my XXXX Credit File on XX/XX/XXXX. It is now XX/XX/XXXX and XXXXXXXX XXXX account was deleted from my Equifax Credit Report on XX/XX/XXXX AFTER the dispute which was VERIFIED as ACCURATE. You and your company chose to Update the disputed accounts, instead of them being DELETED as the paragraph ( 1 ) ( A ) requires. My documents WILL SHOW the INCONSISTENT of the timing of submitting the disputes and the MISLEADING of when they were completed. This is a violation of paragraph ( 1 ) ( A ) and its entirely.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) 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. 

Equifax is clearly in violation of paragraph ( 5 ) as the company did not delete the inaccurate and incomplete accounts from my Credit Report. 
Equifax knowingly the accounts are as such. It is absurd how Equifax Reporting Agency has deliberately, unconsciously and continuously reporting inaccurate and incomplete information on my credit report as it affects my creditworthiness.

As stated, 15 USC 1681i ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, I recently challenged the validity of ALL the mentioned accounts that's being reported on my most recent UPDATED credit report. Upon challenging this, XXXX Reporting Agency DELETED ( 3 ) of these accounts on XX/XX/XXXX based on the lack of ability to properly verify all reported information as being accurate. I noticed as a result of challenging these accounts with your company, you have DELETED XXXX XXXX XXXX ( XXXX ) which your company was in receipt of the reinvestigation results that showed this account was deleted with my dispute you have verified these same account as accurate. It is my understanding that the Creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify these accounts in writing any automated response or E-Oscar verification is unacceptable. If such documents can not be produced please deleted these accounts from my credit report immediately. Despite on XX/XX/XXXX you were in receipt of the supporting relevant documents that were highlighted of the errors that supported the incompleteness and inaccuracies of the accounts along with XXXX Investigation Results that I received AFTER their reinvestigation of the same accounts. Your company opened up a reinvestigation which in fact DID NOT warrant one. This inconsiderate action of your company Equifax, was done to prolong the inaccurate and incomplete accounts to REMAIN on my credit report to further my inability to obtain credit and financial resources.

In Conclusion, You have 10 calendar days to delete the mentioned accounts. Failure to respond satisfactorily with deletion of the above accounts will result in legal actions being taken against Equifax, for which I will also be seeking damages per violations as stated in 15 U.S. Code 1681s - Administrative enforcement

Company response to consumer: Closed with explanation