Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX and EQUIFAX are in Violation of the Fair Credit Reporting Act, and Violation of the Fair Debt Collection Practices Act 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification o
f the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re investigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 







XXXX XXXX and EQUIFAX is falsely reporting on my credit report twice this is causing Defamation of my Character they are reporting collections as open installment account. It's a collection account from 2015 this is an old collection account from XXXX XXXX that XXXX bought. You are reporting to different Past Due : on different reports. Equifax says {$170.00} and another Equifax reports says {$0.00}. How is it possible to do this? Then when I tried to dispute the incorrect information, it was removed and put back on my report incorrectly AGAIN. This is prohibiting me from achieve life goals as an adult with a family. I can't get employment opportunities because of this situation. I do not owe DO any money because I do not have a signed contract with them. This debt was charged off as paid by XXXX XXXX. And sold to XXXX XXXX, who is falsely reporting this as an installment loan, which it is not. And XXXX XXXX continuously states that they are a COLLECTION company. 



Thank you for your time and help in this matter. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation