Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently I have been corresponding and disputing errors on my credit report in order to reflect an accurate depiction of my consumer file. After four consecutive months of disputing with no resolution, I am seeking additional resources to aid in correcting my consumer report. After pulling a recent copy of my consumer credit report, I noticed that Equifax has resisted making the necessary corrections in accordance with federal law. Due to this, the organization is engaging in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ). 

Notice of Results of Reinvestigation. 
( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph. 
( A ) ( I ) a statement that the reinvestigation is completed. 

Based on this information, the items below should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 45 days and the reporting agency has failed to comply. 

XXXX - XX/XX/XXXX  - This inquiry was not authorized - As a consumer by law, this needs to be DELETED immediately. 

XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX  XXXX XXXX - Under 15 USC 1666B, this is a billing error and should reflect as " always paid as agreed on time ''. This is an error on this account and is in violation. - Update to paid as agreed XXXX XXXX - Under 15 U.S Code 1605 ( a ), if a Finance Charge was included which is the sum of all payments, there should be no late payments on this account - Update to paid as agreed. 

XXXX XXXX XXXX  - Under 15 U.S Code 1605 ( a ), if a Finance Charge was included which is the sum of all payments, there should be no late payments on this account - Update to paid as agreed. 

XXXX XXXX - Under 15 USC 1666B this is a billing error and should reflect as " always paid as agreed on time ''. This is an error on this account and is in violation. - Update to paid as agreed XXXX XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX - Under 15 U.S Code 1605 ( a ), if a Finance Charge was included which is the sum of all payments there should be no late payments on this account - Update to paid as agreed XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX XXXX XXXX  - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX  - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

Under 15 US Code 1681n ( b ) civil liability of a natural person, Ive been violated. I am seeking what I believe to be fair and just under federal standards.

Company response to consumer: Closed with non-monetary relief