Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: IL
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:
I'm sending this complaint due to new evidence. I have sent to Equifax disputing letters several times regarding to this matter, from my last time of dispute they responded through CFPB portal like they don't see the account on my report that I disputed. I have carefully looked on my report from credit karma report by Equifax and I checked my report from Equifax from different source of credit reporting, I see how they report differently but the same account, which on top of everything not mine. For your convenience I have attached a copy of my report from XXXX XXXX and another website, as you can see only Equifax keep reporting tis item on my report and refused to do fair investigation. 
The name of account is XXXX  XXXX. on XXXX XXXX it shows like XXXX XXXX XXXX XXXX doesn't show account number, but shows date of opened XX/XX/2015, while another report shows XXXX XXXX date opened XX/XX/2015, HOW ITS POSSIBLE?? It is clear inaccurate info. In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate.

According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy a. Reinvestigations of Disputed Information 1. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that this is inaccurate account information means that you, this credit-reporting agency, are reporting incorrect account. ONLY EQUIFAX HAS REPORTED THIS ACCOUNT ON MY REPORT.

As I previously said, and I'm sending documents to proof my statement : Police Report, Affidavit, FTC report, SSN, ID, proof of address.

Company response to consumer: Closed with explanation