Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: NC
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:
Subject : Urgent Request : Investigation and Deletion of Adverse Accounts from Credit Report Dear, Consumer Financial Protection Bureau I am writing to urgently request your intervention regarding the violations occurring in my credit report. On XX/XX/2023, I sent letters to XXXX, XXXX, Equifax, and all Secondary Reporting Agencies requesting the reinvestigation and deletion of the following adverse accounts : Equifax : [ XXXX XXXX XXXX ] NOT COSUMERS NAME, NICKNAME, NOR ALLIAS [ XXXX XXXX XXXX XXXX ] NOT COSUMERS NAME, NICKNAME, NOR ALLIAS [ XXXX ] - Unauthorized Inquiry / No Account Associated [ XXXX XXXX ] - Unauthorized Inquiry / No Account Associated [ XXXX XXXX XXXX  - Unauthorized Inquiry / No Account Associated [ XXXX XXXX ] - Unauthorized Inquiry / No Account Associated [ XXXX - Unauthorized Inquiry / No Account Associated [ XXXX ] - Unauthorized Inquiry / No Account Associated XXXX XXXX XXXX XXXX XXXX  - Unauthorized Inquiry / No Account Associated [ XXXX XXXX ] - Unauthorized Inquiry [ XXXX ] - Account Number : [ XXXX ] - Violation : [ Late Payment ] [ XXXX ] - Account Number : [ XXXX ] - Violation : [ Collection ] [ XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Violation : [ Collection ] [ XXXX ] - Account Number : [ XXXX ] - Violation : [ Collection ] [ XXXX ] - Account Number : [ XXXX ] - Violation : [ Collection ] [ XXXX XXXX ] - Account Number : [ XXXX ] - Violation : [ Collection ] XXXX XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ] - Violation : [ Collection ] [ XXXX ] - Account Number : [ XXXX ] [ XXXX XXXX XXXX  ] - Account Number : [ XXXX ] - Violation : [ Collection ] XXXX : [ XXXX XXXX ] - Unauthorized Inquiry / No Account Associated [ XXXX XXXX  ] - Unauthorized Inquiries/ No Accounts Associated [ XXXXXXXX XXXX  ] - Unauthorized Inquiry / No Account Associated [ XXXX XXXX ] - Unauthorized Inquires/ ONLY XXXX Account Associated [ XXXX  - Unauthorized Inquiry XXXX No Account Associated [ XXXX XXXX XXXX Unauthorized Inquiry / No Account Associated [ XXXX XXXX XXXX - Unauthorized Inquiry / No Account Associated [ XXXX XXXXXXXX ] - Unauthorized Inquiry / Adverse Account Associated [ XXXX ] - Account Number : [ XXXX ] - Violation : [ Late Payment ] [ XXXX ] - Account Number : [ XXXX ] - Violation : [ Collection ] [ XXXX XXXX  - Account Number : [ XXXX ] - Violation : [ Collection ] [ XXXX ] - Account Number : [ XXXX ] - Violation : [ Collection ] [ XXXX ] - Account Number : [ XXXX ] [ XXXX XXXX ] NOT COSUMERS NAME, NICKNAME, NOR XXXX XXXX : [ XXXX XXXX XXXX ] NOT COSUMERS NAME, NICKNAME, NOR ALLIAS [ XXXX XXXX XXXX XXXX ] NOT COSUMERS NAME, NICKNAME, NOR ALLIAS [ XXXX ] - Account Number : [ XXXX ] - Violation : [ Late Payment ] [ XXXX ] - Account Number : [ XXXX ] - Violation : [ Collection ] [ XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Violation : [ Collection ] [ XXXX  ] - Account Number : [ XXXX ] - Violation : [ Collection ] [ XXXX ] - Account Number : [ XXXX ] - Violation : [ Collection ] [ XXXX XXXXXXXX ] - Account Number : [ XXXX ] - Violation : [ Collection ] [ XXXX XXXX XXXXK ] - Account Number : [ XXXX ] - Violation : [ Collection ] [ XXXX ] - Account Number : [ XXXX ] [ XXXX XXXX XXXX XXXX - Account Number : [ XXXX ] - Violation : [ Collection ] [ XXXX ] - Unauthorized Inquiry / Adverse Account Associated [ XXXX XXXX XXXX XXXX - Unauthorized Inquiry / No Account Associated I have compelling evidence that demonstrates the following violations in my credit report : Violation of 15 USC 1681i ( 5 ) : The reported accounts contain inaccuracies in open dates, dates of last activity, and other crucial details, which contravene the Fair Credit Reporting Act ( FCRA ) Section 1681i ( 5 ), requiring the modification of inaccurately reported accounts.

Violation of 15 U.S.C 1681 Section 602 A and 15 U.S.C 1681 Section 604 A Section 2 : The bureaus have furnished account information without my written instructions, disregarding my right to privacy as protected under FCRA Section 602 A and Section 604 A Section 2.

Violation of 15 U.S.C 1681c ( a ) ( 5 ) Section : The bureaus have included adverse information beyond the permissible time limit, exceeding the guidelines outlined in FCRA Section 1681c ( a ) ( 5 ), which restricts the inclusion of adverse information that antedates the report by more than seven years.

Violation of 15 U.S.C 1681G ( a ) and 15 U.S.C 1681G ( a ) ( 1 ) : The bureaus have failed to ensure the accuracy of consumer credit reporting, as mandated by FCRA Section 1681G ( a ) and Section 1681G ( a ) ( 1 ), which require consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

Violation of 15 U.S.C 1681B ( a ) ( 1 ) and 15 U.S.C 1681 ( a ) ( 2 ) : The bureaus have failed to ensure the fairness of consumer credit reporting, in violation of FCRA Section 1681B ( a ) ( 1 ) and Section 1681 ( a ) ( 2 ), which mandate that consumer reporting agencies must have reasonable procedures to ensure the information they furnish is fair and equitable to consumers. 

I urgently request the Consumer Financial Protection Bureau to conduct a thorough investigation into these recurring violations and enforce the deletion of the inaccurately reported accounts from my credit report. 

Failure by the bureaus to comply with the FCRA guidelines, either through non-response or neglecting to delete the disputed accounts, will result in filing a subsequent complaint with the CFPB and pursuing legal action to seek appropriate remedies. 

Attached to this email are copies of all relevant correspondence, along with supporting evidence, to substantiate my claims. 

Thank you for your immediate attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift action to rectify these violations and restore the integrity of my credit report.

Company response to consumer: Closed with non-monetary relief