Consumer complaint received 2021-09-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ..to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX opened on XX/XX/XXXX balance reported {$2400.00}, XXXX XXXX opened XX/XX/XXXX balance reported {$8000.00}, XXXX XXXX XXXX  XXXX opened XX/XX/XXXX balance {$7900.00}, XXXX opened XX/XX/XXXX balance {$0.00} XXXX XXXX opened is XX/XX/XXXX balance {$0.00}, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX balance {$5100.00} XXXX XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX balance {$1000.00} XXXX XXXX XXXX opened XX/XX/XXXX balance {$4100.00}, XXXX XXXX XXXX opened XX/XX/XXXX balance {$770.00}, XXXX XXXX XXXX opened XXXX XXXX XXXX balance {$4300.00}, XXXX  XXXX XXXX opened on XX/XX/XXXX balance {$2000.00}, XXXX opened on XX/XX/XXXX balance {$0.00}, XXXX XXXX XXXX  XXXX XXXX opened on XX/XX/XXXX balance {$7900.00} XXXX XXXX opened XX/XX/XXXX balance {$0.00}, XXXX XXXX XXXX opened XX/XX/XXXX balance {$1000.00}, XXXX XXXX I opened XXXX XX/XX/XXXX balance {$4100.00}, XXXX opened on XX/XX/XXXX balance {$0.00} XXXX opened on XX/XX/XXXX balance {$0.00} ... BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company response to consumer: Closed with explanation