Consumer complaint received 2020-04-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am reaching out to CFPB again because you are the governing authority to monitor and ensure the credit reporting agencies are maintaining accurate information. However, I have mailed certified letters to Equifax the last six months and this information has not been corrected. I am asking that you comply and enforce current federal laws and make them correct this information. This is my last attempt to resolve this matter with Equifax before seeking legal action against them. 

This is also my notice of my intent to file litigation for multiple violations of the FCRA. 

I pulled my credit report from XXXX and XXXX whom both confirm that the information they are reporting is coming directly from the Equifax database. 

As of XX/XX/2020, Equifax is still reporting XXXX XXXX XXXX, XXXX, MD, XXXX as a valid address. However, I have never resided at this address and Equifax has failed to provide me with the proof they have obtained that says otherwise. 

As of XX/XX/2020, Equifax is still reporting XXXX XXXX XXXX, XXXX XXXX, MD, XXXX as a valid address. However, I have never resided at this address and Equifax has failed to provide me with the proof they have obtained that says otherwise. 

As of XX/XX/2020, Equifax is still reporting XXXX XXXX as a valid address. However, I have never resided at this address and Equifax has failed to provide me with the proof they have obtained that says otherwise. 

As of XX/XX/2020, Equifax is still reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX as a valid address. However, I have never resided at this address and Equifax has failed to provide me with the proof they have obtained that says otherwise. 

As of XX/XX/2020, Equifax is still reporting the following open accounts. These accounts are not mine. I have sent certified validation and verification letters to each creditor and they have not been able to confirm these accounts are mine. However, Equifax continues to report them. Under federal law until an account has been properly validated and verified according to article 609, they may not be  reported on a consumers credit file. 

Equifax needs to immediately remove the following : - XXXX XXXX XXXX  - XXXX As of XX/XX/2020, Equifax continues to report 69 outdated and invalid and unauthorized inquiries. The creditors have been unable to provide proof of such authorizations. 

- See attached document As of XX/XX/2020, Equifax continues to report the following inaccurate and unvalidated collection accounts : - XXXX  XXXX  - XXXX  XXXX  XXXX  As of XX/XX/2020, Equifax also continues to report inaccurate bankruptcy information. I have contacted XXXX XXXX and confirmed that they do not have the same matching information and have not verified this information for Equifax. Equifax claims that they use services from XXXX XXXX to validate court information. I also have contacted the court system and was informed that the courts do not verify or validate court information with anyone. Not Equifax or XXXX XXXX. 

Your assistance with this matter is appreciated. 
Thank you.

Company response to consumer: Closed with explanation