Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: OH
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:
Today ( XXXX XXXX ) i called XXXX  because I received the results of my disputes stating that the accounts have been updated and verified and that a thorough investigation has been completed. However, When speaking with representative XXXX XXXX, he stated We do not check with neighbors or friends etc we only communicate with the creditor and thats all that we do. We do not do a thorough investigation. 
Also when speaking with XXXX and XXXX XXXX didnt want to provide their last initial ) they stated that the investigation process is communicating only with the creditor/furnisher, asking them to check their information on the account furnished on my credit report and that is how they verify the obtained account information. 
All Representatives, XXXX, XXXX, XXXX, & XXXX XXXX, stated that they don't do a further investigation other than getting accurate information from the creditor of the account. 

I have let them know several times the information on these accounts still arent reporting 100 % accurate and also that the accounts arent mine and that the information theyve obtained from the creditors are inaccurate and false. Ive asked them to delete the accounts and they stated there is no one to help me with my request. I let the know about my rights and the laws but they dont care. They continue to take advantage of me and belittle my knowledge and have failed to be compliant of deleting the accounts below from my credit report. Because of their wrong doings i have sustained actual damages. 

Here is the reference number for my call XXXX If the bureaus continue to fail to be compliant of my rights and laws i will file for litigation immediately. 

According to the FRCA the term Investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 stated my account had been updated and verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA, 15 USC 1681 everything has to be 100 % accurate or must be deleted. Upon my checking, last activity is inaccurate, payment history is inaccurate, remarks are inaccurate, months reviewed are inaccurate, personal information is inaccurate, etc. This is GROUND FOR REMOVAL of the accounts. 

These accounts and the credit bureaus also violated my rights under 15 U.S.C 1681 section 602 A. states i have the right to privacy. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681 Section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

i have not given these accounts ( below ) my written permission to furnish these accounts on my credit report. 

Accounts XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX

Company response to consumer: Closed with explanation