Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern, I recently submitted a verification of the following accounts that appeared to be unfamiliar with me. XX/XX/XXXX, Illinois XXXX XXXX XXXX, a college I attended, had a security incident whereas I and other current and former students personal information was stolen! 
( see enclosed : official letter from Illinois XXXX XXXX XXXX  XXXX personal information breach ) Upon further examination of these unfamiliar accounts reported by your agency, I began to check the reporting done by your company as well as Equifax and XXXX related to me and found that neither of you three are reporting consistent, accurate, and complete information. According to the FCRA, credit reports are supposed to be accurate, complete, and verifiable! There are a number of eras within the report with several unfamiliar and unverified items in particular. 

I demand that you delete these unverifiable and unfamiliar accounts : Delete Account : XXXX XXXX XXXX  XXXX  Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX Equifax Date Opened : XX/XX/XXXX Date Opened should be consistent where we have your agency reporting one date and XXXX reporting another. Which date is correct? 

If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 


XXXX Date Last Active : XX/XX/XXXX XXXX  Date Last Active : XX/XX/XXXX Equifax Date Last Active : XX/XX/XXXX All Date Last Active dates are being reported by the so-called furnisher inconsistently across each of the XXXX credit reporting agencies as to the correct date last active dates If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 


XXXX Date of Last Payment : XX/XX/XXXX XXXX Date of Last Payment : XX/XX/XXXX Equifax Date of Last Payment : XX/XX/XXXX Date of Last Payment should be consistent where we have your agency reporting one date and XXXX and XXXX reporting another. Which date is correct? 
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 
Based upon the above XXXX inaccuracies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 XXXX Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Equifax Date Opened : XX/XX/XXXX Date Opened should be consistent where we have your agency reporting one date and XXXX reporting another. Which date is correct? 

If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 


XXXX Date Last Active : XX/XX/XXXX XXXX Date Last Active : XX/XX/XXXX Equifax Date Last Active : XX/XX/XXXX All Date Last Active dates are being reported by the so-called furnisher inconsistently across each of the XXXX credit reporting agencies as to the correct date last active dates If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 


XXXX Date of Last Payment : XX/XX/XXXX XXXX  Date of Last Payment : XX/XX/XXXX Equifax Date of Last Payment : XX/XX/XXXX Date of Last Payment should be consistent where we have your agency reporting one date and XXXX and XXXX reporting another. Which date is correct? 
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 
Based upon the above 3 inaccuracies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 Delete Account XXXX XXXX Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK 60 OK OK OK OK OK OK OK O Experian Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Equifax Date Opened XXXX XX/XX/XXXX Date Opened should be consistent where we have your agency reporting one date and Equifax and XXXX reporting another. Which date is correct? 
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 

XXXX Date Last Active : XX/XX/XXXX XXXX  Date Last Active : XX/XX/XXXX Equifax Date Last Active : XX/XX/XXXX All Date Last Active dates are being reported by the so-called furnisher inconsistently across each of the 3 credit reporting agencies as to the correct date last active dates If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 






XXXX Date of Last Payment : XX/XX/XXXX XXXX  Date of Last Payment : XX/XX/XXXX Equifax Date of Last Payment : XX/XX/XXXX Date of Last Payment should be consistent where we have your agency reporting one date and Equifax reporting another. Which date is correct? 
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 
Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 XXXX Account Status : Paid XXXX Account Status : Derogatory Equifax Account Status : Paid Account Status should be consistent where we have your agency reporting one date and XXXX reporting another. Which date is correct? 
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 
Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 XXXX Payment Status : Late 60 Days XXXX Payment Status : Current Equifax Payment Status : Current Payment Status should be consistent where we have your agency reporting one date and Equifax and XXXX reporting another. Which date is correct? 
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 
Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 XXXX Last Reported : XX/XX/XXXX XXXX Last Reported : XX/XX/XXXX Equifax Last Reported : XX/XX/XXXX Last Reported should be consistent where we have your agency reporting one date and Equifax and XXXX reporting another. Which date is correct? 
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 
Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 Delete this Account # XXXX XXXX Account : N/A XXXX Account : N/A Equifax Account : Derogatory Fraudulent Account should be consistent where we have your agency being the only agency reporting this lone-ghost account. Which agency is Correct? 
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 
This Account is close to the time of the breach of my personal information with Illinois XXXX XXXX XXXX! 
Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 No Permissible Purpose : I never gave anyone permission to run my credit including your company. 
Please provide me with any documents that I signed giving you or anyone written authorization to run my credit. 

15 U.S. Code 1681b - Permissible purposes of consumer reports o ( a ) IN GENERAL subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : o ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


Further, I demand to be forwarded the following proofs of verification of the above accounts, failure to provide me with the following documents violates my rights according to the Fair Credit Reporting Act 15 U.S.C 1681 1. Any contracts I signed with the supposed company as I never entered into any contract with any of the above account holders! 
2. Any signed checks with signatures 3. Anything with my social security number 4. Pay Off Disclosure 5. Interest Rate Disclosure 6. Balance History 7. Payment History By not properly investigating and or your refusal to delete the above inaccurate, unfamiliar, fraudulent, unverified items above demonstrates your lack of respect for the law and by proxy working in concert with those who intend on misusing my credit file. 
15 U.S. Code 1681 ( 4 ) Congressional findings and statement of purpose ( 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 U.S. Code 1692j - Furnishing certain deceptive forms o It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. 
o ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter.

Company response to consumer: Closed with explanation