Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: CA
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:
To whom it may concern, The credit bureaus stated following accounts were properly investigated Account name # XXXX XXXX XXXXXXXX Account name # XXXX XXXX XXXXXXXX Account name # XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX Account name # XXXX  XXXX XXXX XXXX Account name # XXXX  XXXX XXXX XXXX Account name # XXXX XXXX XXXX XXXX But I would like to know if they were properly investigated how is it possible that the open date is inaccurate, and date last reported is inaccurate, the balance is inaccurate. This is grounds of removal according to 15 USC. 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 incorrect. They also violated my rights under 15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. This is grounds of removal of such accounts.

I havent given these accounts written permission to furnish these accounts on my credit report as well. Below I have attached the documents from my credit report circling inaccurate and incomplete information on my credit report for a long period of time. Moving forward I would like this Information to be deleted or removed from my credit report immediately.

Also according to my knowledge Account name # XXXX XXXX XXXX date stated on my credit report is inaccurate as well as balance. And according to the credit bureau response on XX/XX/XXXX which clearly states that COLLECTIONS THAT HAVE NOT BEEN PAID IN FULL WILL REMAIN ON THE CREDIT FILE SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. ADVERSE ACCOUNTS THAT HAVE NOT BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. My question is Then why the account is not yet removed this is a violation of the bureau policy as well. Correct delinquency date as far as Im concerned for the account was XX/XX/XXXX. Hence regarding that account is still on credit report as of XX/XX/XXXX which is XXXX years apart. This is a serious violation of my rights as well. 
Also according to the credit bureau response on XX/XX/XXXX stating the following account Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. Is in fact untrue and inaccurate, incomplete the item related to the account does not belong to me and I do not have any possession of such item whatsoever. As far as Im concerned the item was voluntarily repossessed taken back from my possession as of collateral. The last settled amount with the account holder was XXXX $ which still now shows XXXX and was never updated by the account holder. Hence this information is incorrect as well as the balance shown on my credit report and according to 15 USC. 1681s-2. ( A ) ( 1 ). This is a violations and hence grounds of removal. Please remove/delete accounts as soon as possible.

Company response to consumer: Closed with explanation