Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
State: FL
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:
I have attempted multiple times to have XXXX  XXXX ACCT # XXXX and XXXX XXXX  ACCT # XXXX removed from my credit report. I have received an updated credit report from www.annualcreditreport.com, and I do not agree with some accounts on this report ( XXXX  XXXX ACCT # XXXX and XXXX XXXX ACCT # XXXX ). I have disputed these accounts several times with Equifax. I have demanded that Equifax verify these two accounts on my consumer report since their accounts are not accurate or fair. This is causing me distress and mental anguish. My right to privacy has been violated under federal law. Per 15 USC 1681 section 602, which clearly states, " I have a right to privacy. '' 15 USC 1681 Section 604 states, " A consumer reporting agency can not furnish an account without my written instructions. '' I never consented to these accounts being placed on my consumer report, to begin with. XXXXXXXX XXXX, XXXX XXXX, and Equifax never had permissible purposes under 15 USC 1681 B ( 2 ) to furnish this account on my consumer report. I also never instructed the CRAs ( XXXX, Equifax, and XXXX ) to furnish this consumer report and never consented to this report in the first place. I have disputed these accounts to no avail, they keep coming back " verified. '' How were these accounts verified? These accounts are reporting different information on Equifax, XXXX, and XXXX. These accounts are not fair or accurate. Under the FCRA, I have the right to a fair credit report. I deem these accounts NOT accurate, NOT consistent, and NOT fair. I have disputed multiple times through the CFPB, with no resolution. My first complaint was dated back from XX/XX/XXXX through the CFPB to the current date today XX/XX/XXXX through the CFPB. Equifax did not do its due diligence in a fair independent investigation of these accounts on my consumer report. If they did, these accounts would have been removed due to all the inaccuracies across the board. On my credit report, Equifax is reporting that on XXXX XXXX ACCT # XXXX is reporting UNKNOWN PAYMENT HISTORY FOR THIS ACCOUNT. XXXX is reporting XXXX XXXX ACCT # XXXX is XXXX ( XXXX ) days late on XX/XX/XXXX. XXXX is reporting XXXX XXXX ACCT # XXXX is XXXX ( XXXX ) days late on XX/XX/XXXX. Which is accurate? If Equifax DOES NOT KNOW the payment history of this account it needs to be removed immediately. I have disputed this account with all three CRAs and it keeps coming back " VERIFIED '' with all unmatching information across the three CRAs ( Equifax, XXXX, and XXXX ). Equifax is also reporting that XXXX  XXXX ACCT # XXXX is reporting SIXTY ( 60 ) days late on XX/XX/XXXX. XXXX is reporting that XXXX  XXXX ACCT # XXXX is THIRTY ( 30 ) days late in XXXX of XXXX. XXXX is reporting that XXXX XXXX ACCT # XXXX is THIRTY ( 30 ) days late in XX/XX/XXXX. Which is accurate? I have disputed this account multiple times through CFPB in regards to this account. XXXX XXXX ACCT # XXXX keeps coming back " VERIFIED. '' How is this account verified? There is unfair and inaccurate information across the three CRAs in regard to this account. I have already demanded Equifax to do an independent investigation on XXXX XXXX ACCT # XXXX. Equifax did not do its due diligence. If they did XXXX XXXX ACCT # XXXX would have been removed. I demand that these two accounts : XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX ACCT # XXXX be deleted from my consumer report immediately due to inaccuracies, failure to do a proper independent investigation, and for invasion of privacy under the FCRA. Attached below will be the most recent correspondence with Equifax via mail, the most recent Dispute results from Equifax via mail dated XX/XX/XXXX, the most recent credit reports from all three CRAs ( XXXX, Equifax, and XXXX ) showing the inaccuracies within the XXXX CRAs, a copy of my drivers license, a copy of my SSN, birth certificate for proof of identity, and a recent paystub for proof of residence.

Company response to consumer: Closed with explanation