Consumer complaint received 2022-06-03
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:
1. Equifax stated that XXXX XXXX and Account XXXX XXXX was properly investigated but how is that possible if the monthly payment is inaccurate, the date opened is inaccurate, the balance is inaccurate, the credit limit is inaccurate, the past due is inaccurate, payment status is inaccurate, last reported is inaccurate, date last active is inaccurate, and date of last payment is inaccurate. Please see attached credit file and supporting documents. -- -- -- -- -- -- -- -- -- -- 2. Equifax stated that XXXX XXXX XXXX  and Account XXXX XXXX was properly investigated but how is that possible if the high credit limit is inaccurate, the credit limit is inaccurate, the date last active is inaccurate, and the date of last payment is inaccurate. Please see attached credit file and supporting documents. -- -- -- -- -- -- -- -- -- - 3. Equifax stated that XXXX XXXX and Account XXXX XXXX was properly investigated but how is that possible if the high credit limit is inaccurate, the date last active is inaccurate, and the date of last payment is inaccurate. Please see attached credit file and supporting documents. -- -- -- -- -- -- -- -- -- -- - 4. Equifax stated that XXXX XXXX and Account Number XXXX was properly investigated but how is that possible, if a filed Identity Theft Report with proper identification and a supporting statement was attached with the Investigation Request. Please see attached credit file and supporting documents. If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) -- -- -- -- -- -- -- -- -- 5. Equifax stated that XXXX XXXX was properly investigated but how is that possible, if a filed Identity Theft Report with proper identification and a statement was attached with the Investigation Request. Please see attached credit file and supporting documents. If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) -- -- -- -- -- -- -- -- -- -- - 6. Equifax stated that XXXX XXXX XXXX and Account XXXX XXXX was properly investigated but how is that possible if this company is not the original creditor and there was never a contract with an original signature between two parties or unilaterally. How was this properly investigated if a collection agency is able to report late payments ( 120 days ) and the date of last payment is inaccurate because there was never a contract with this alleged debt collector or payments. How was it properly investigated if this account was also included in an Identity Theft Report included in the Investigation Request. Please see attached credit file and supporting documents. If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) -- -- -- -- -- -- -- -- -- -- -- - 15 USC 1681g ( a ) ( 1 ) -- - Disclosures to consumers ( a ) Information on file ; sources ; report recipients Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request -- -- -- -- -- -- -- -- According to 15 USC 1681g ( a ) ( 1 ), how are you validating the investigation request? 

-- -- -- -- - This is grounds for removal because I have not been provided any information on file to validate any account or proof that you have truly investigated any accounts or details. -- -- -- -- -- -- -- -- 15 USC 1681 ( a ) ( 4 ) -- -- FCRA Sec. 602 ( a ) ( 4 ) : XXXX findings and statement of purpose. 

( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 USC 1681b ( a ) ( 2 ) -- - FCRA Sec. 604 ( a ) ( 2 ) : Permissible purposes of consumer reports.

( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) Consumer reporting agency can not furnish an account without my written instructions. 

-- -- -- -- -- -- -- -- -- -- -- -- - I have the right to privacy. The law clearly states a consumer reporting agency can not furnish an account without my written instructions and I do not recall giving these agencies written permission to furnish these accounts on my credit file. -- -- -- -- -- -- -- - 15 USC 1666b ( a ) -- -- Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. -- -- -- -- -- -- -- -- -- -- -- - 15 USC 1681a ( 2 ) ( a ) ( i ) -- -- Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 USC 1681c ( a ) ( 5 ) -- -- Requirements relating to information contained in consumer reports.

( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. -- -- -- -- -- -- -- -- -- -- -- -- -- -- The law clearly states a consumer reporting agency can not furnish an account without my written instructions and I do not recall giving these agencies written permission to furnish these accounts on my credit file. -- -- -- -- -- -- -- -- -- -- -- -- -- -- 15 U.S. Code 1681d ( d ) ( 4 ) ( a ) ( b ) - Disclosure of investigative consumer reports.

( 4 ) Certain adverse information A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information, unless ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( B ) the person interviewed is the best possible source of the information. -- -- -- -- -- -- -- -- -- -- -- -- -- - Delete all late payments and derogatory remarks from my consumer file. These agencies are in violation of 15 USC 1666b ( a ), 15 USC 1681a ( 2 ) ( a ) ( i ), 15 USC 1681b ( a ) ( 2 ) ,15 USC 1681c ( a ) ( 5 ) and 15 USC 1681d ( d ) ( 4 ) ( a ) ( b ).

Company response to consumer: Closed with explanation