Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Ph : ( XXXX ) XXXX SS # XXXX DOB : XX/XX/XXXX Todays Date : XXXX, XXXX XXXX The credit Bureau states that my account was properly investigated which is impossible as there is inaccurate information that is being reported against my credit report and it is against the law.

This is ground for removal, they also violated my rights under Fair Credit Reporting Act 15 USC 1681 Section 602 ( A ) states I have the right to privacy.

Fair Credit Reporting Act 15 USC 1681 Section 604 ( A ) Section ( 2 ) states a consumer reporting agency furnishes an account without my written instructions.

Fair Credit Reporting Act 15 USC 1681 ( n ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I would like {$1000.00} for every violation on my credit report. Or I would like the account deleted off my credit report. 

Listed below are the violations/inaccurate information on my credit report : 1. XXXX XXXX XXXX ( Account # XXXX ) Equifax : Date : XX/XX/XXXX Balance : {$18.00} Last Activity Date : XX/XX/XXXX Months Reviewed : XXXX : Date : XX/XX/XXXX Balance : {$16.00} Last Activity Date : XX/XX/XXXX Months Reviewed : 5 2. XXXX XXXX ( Account # XXXX ) XXXX : Last Activity Date : XX/XX/XXXX Times : Months Reviewed : : Payment History : None XXXX  : Last Activity Date : XX/XX/XXXX Times : XXXX Months Reviewed : 20 Payment History : 5 % of payments made on time 3. XXXXXXXX XXXX XXXX ( Account # XXXX ) XXXX : Last Activity Date : XX/XX/XXXX Remarks : Profit & Loss Write-off Times : Months Reviewed : Term Count : Term Source Type : Payment History : XXXX : Last Activity Date : XX/XX/XXXX Remarks : Times:XXXX  Months Reviewed : 37 Term Count : 48 Term Source Type : Provided Payment History : 8 % payments made on time 4. XXXX XXXX ( Account # XXXX ) XXXX : Last Activity Date : XX/XX/XXXX Remarks : Profit & Loss Write-off Times:0/0/0 Months Reviewed : Term Count : Term Source Type : Payment History : XXXX : Last Activity Date : XX/XX/XXXX Remarks : Times:XXXX Months Reviewed : 11 Term Count : 12 Term Source Type : Provided Payment History : 18 % of payments made on time 5. XXXX XXXX ( Account # XXXX ) Equifax : Account Number : XXXX Highest Balance : {$440.00} Remarks : Profit & Loss Write-off Payment History : XXXX : Account Number : XXXX Highest Balance : Remarks : Charged Off Times : XX/XX/XXXX Payment History : 39 % of payments made on time 6. XXXX XXXX ( Account # XXXX ) Equifax : Remarks : Closed Payment History : XXXX : Remarks : Fixed Rate Payment History : 100 % of payment made on time 7. XXXX XXXX XXXXXXXX  ( Account # XXXX ) Equifax : Last Activity Date : XX/XX/XXXX Status : Open Most Recent Adverse Rating : Payment History : 96 % of payments made on time XXXX : Last Activity Date : XX/XX/XXXX Status : Closed Most Recent Adverse Rating : Collection  Charge Off Payment History : Equifax ( Account # XXXX ) DUPLICATE ACCOUNT Last Activity Date : XX/XX/XXXX Status : Open Most Recent Adverse Rating : Payment History : 100 % of payments made on time. 

8. XXXX XXXX  ( Account # XXXX ) XXXX : Account Number : XXXX Last Activity DateXXXX  Creditor : 06 XXXX Most Recent Adverse Rating : Collection Charge Off Comments Account Information Disputed By Consumer Equifax : Account Number : XXXX Last Activity Date : XX/XX/XXXX Creditor : XXXX Most Recent Adverse XXXX : Comments : 9. XXXX XXXX XXXX ( Account # XXXX ) XXXX : Account Number : XXXX Last Activity Date : XX/XX/XXXX Creditor : 06 XXXX Highest Adverse Rating  ; Collection Charge Off Most Recent Adverse Rating : Collection Charge Off Comments : Account Information Disputed By Consumer Equifax : Account Number : XXXX Last Activity Date : XX/XX/XXXX Creditor : Progressive Highest Adverse Rating ; Collection Charge Off Most Recent Adverse Rating : Comments : Personal Information : Legal Name : XXXX XXXX XXXX XXXX My fathers name is XXXX XXXX XXXX so this needs to be fixed immediately I would like all other names removed from my credit report as it is not my legal name or an alias. My legal name is not on any of the three credit report. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All other address are inaccurate and they need to be removed. 

Phone number : ( XXXX ) XXXX This account is not mine as I have never been to XXXX XXXX  so please delete this form my credit report as well XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} Provided Collection/Charge-off Closed Individual {$290.00} {$290.00} Collection/Charge- off Collection/Charge- off Public Records Anything that can show up on a background check can show up on your credit report and negatively impact your score. This includes things like bankruptcies and legal judgments.

Account Details Account Number Date Opened Last Activity Original Creditor Monthly Payment Term Source Type Current Rating Status Type High Balance Unpaid Balance Highest Adverse Rating Most Recent Adverse Rating Comments Collection Agency XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation