Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On or around XX/XX/2022, I called and spoke with someone at Equifax. By the end of the phone call, my profile was completely different from what it was prior to the phone call. This is what took place from that phone call : 1. There was old addresses that reappeared on my credit profile : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 2. My name appeared incorrectly - XXXX XXXX 3. XXXX - XXXX XXXX xxxxxxxxxxxx XXXX, once removed from my credit profile was added back onto my credit report On our around XX/XX/2022 I called back to express my concerns. The rep disputed : - XXXX - XXXX XXXX xxxxxxxxxxxx XXXX- which resulted in it still being on my account. 

- XXXX  XXXX ( which I learned from the rep that I spoke to on XX/XX/2022 that it was a XXXXXXXX XXXX ending in XXXX ) I only have one XXXX XXXX  account xxxxxxxxxxxx XXXX reporting on my account, which is the only one that I disputed on XX/XX/2022. However, I was informed on XX/XX/2022 xxxxxxxxxxxx XXXX was removed from my account, which is odd, because it was NEVER on my account to begin with, nor was it in dispute. I am uncertain why that account became the disputed account as it was never in question, and I am unable to get proper answers. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

- XXXX XXXXXXXX : xxxxxxxxxxxx XXXX - XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX : xxxxxxxxxxxx XXXX, XXXX - XXXX XXXX xxxxxxxxxxxx XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with explanation