Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: TX
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:
You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. A debt buyer CANT verify accuracy for any PURCHASED debt. Only I as the consumer can i verify if a debt is mine. You are clearly committing identity theft because XXXX XXXX is stating that you are the one that gave them updated personal information on me which is against the law. The original address and name XXXX XXXX have was not mine. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. 1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. 2. What is a FCRA violation? Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. 3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Delete these accounts XXXX XXXX XXXX, Account Number : ACCT # XXXXYour improper procedures are highly damaging to my credit score. Please immediately delete this item. XXXX XXXX XXXX, Account Number : # XXXX, XXXX XXXX XXXX, ACCT # XXXX XXXX  XXXX XXXX ACCT # XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. I contacted XXXX XXXX XXXX, and how is it that they dont have a contract with me but the original information they have is an address that i never lived at and a name that is not an exact match to my name. XXXX XXXX XXXX, stated that Equifax gave them updated information on me which is identity theft.

Company response to consumer: Closed with explanation