Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
PLEASE NOTE TO THE CFPB : I HAVE ATTACHED MY CREDIT REPORT ALL SENSITIVE DATA IS REDACTED. THE ONLY ACCOUNTS LISTED ARE THE ACCOUNTS BEING DISPUTED AND MY NAME ALL OTHER DATA IS REDACTED. EQUIFAX HAS BEEN SENT A COPY OF MY ID AND SS CARD TO VERIFY ID Equifax has violated serval of my rights and is causing irreparable financial, emotional, and mental harm. I have repeatedly disputed the items below and have also asked for method of verifications and proof of process of their method of verifications. To date I have not received any proof that these items are accurate and or mine. I also believe that a multitude of these items are duplicates. 
Equifax has violated the following laws : My right to fair and accurate reporting of my personal information. 
15 USC 1681a 602 The United States Congress has deemed I have a right to fairness, impartiality, and a respect for the consumers right to privacy. Your firm is violating my rights and operating illegally with my personal and private information. 
15 USC 1681b ( a ) ( 2 ) I never provided your company with written directions involving the accounts below. Your company can not furnish or report the accounts below without my expressed permission or instruction.

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) Your Company violated the before mentioned law as it is illegal to knowingly report data that is inaccurate. I have provided your firm proof on several occasions that the below accounts are inaccurate, maybe duplicates and or not mine. 
15 USC 1681a ( 2 ) You company can not legally provide data regarding transactions or experiences between the consumer and the person making the report. Nor can this company provide data that includes approvals and extensions of credit legally.

15 USC 6802- Your company may not legally, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information without my consent. Your company also may not legally, disclose nonpublic personal information without disclosure and providing me the opportunity to direct such information to not be disclosed.

Enclosed within this complaint I have also attached my previous grievances that have been illegally ignored. Below are the accounts I am disputing. 

1. XXXXXXXX XXXX Account Number : XXXX ISSUES : This is not my account. XXXX and Equifax have different account numbers. Equifax is reporting the account as PAID and Current. XXXX is reporting closed and 120 days late. The date open and date closed are different between XXXX and Equifax. The last reported are different between XXXX and Equifax. Last payment dates are different between XXXX and Equifax. Equifax states on my credit report, a re-investigation is in progress however, I have not been sent any documentation since I requested them in XXXX XXXX XXXX. This account may also be a duplicate. 


2. XXXX XXXX Account Number : XXXX ISSUES : This is not my account. XXXX and Equifax have different account numbers. Equifax is reporting the account as PAID and Current. XXXX is reporting closed and 120 days late. The date open and date closed are different between XXXX and Equifax. The last report is different between XXXX and Equifax. Last payment dates are different between XXXX and Equifax. Equifax states on my credit report, a re-investigation is in progress however, I have not been sent any documentation since I requested them in XXXX XXXX XXXX. This account may also be a duplicate. 


3. XXXXXXXX XXXX Account Number : XXXX ISSUES : This is not my account. XXXX and Equifax have different account numbers. Equifax is reporting the account as PAID and Current. XXXX is reporting closed and 120 days late. The date open and date closed are different between XXXX and Equifax. The last reported date is different between XXXX and Equifax. Last payment dates are different between XXXX and Equifax. Equifax also state the account has been transferred or sold however they are still reporting this account as paid and on time to date, 4. XXXXXXXX XXXX  Account Number : XXXX ISSUES : This is not my account. XXXX and Equifax have different account numbers. Equifax is reporting the account as PAID and Current. XXXX is reporting closed and 120 days late. Date open and date closed are different between XXXX and Equifax. Last reported are different between XXXX and Equifax. Last payment date are different between XXXX and Equifax. Equifax states on my credit report, a re-investigation is in progress however, I have not been sent any documentation since I requested them in XXXX XXXX XXXX. This account may also be a duplicate. 

5. XXXXXXXX XXXX  Account Number : XXXX ISSUES : This is not my account. XXXX and Equifax have different account numbers. Equifax is reporting the account as PAID and Current. XXXX is reporting closed and 120 days late. Date open and date closed are different between XXXX and Equifax. Last reported are different between XXXX and Equifax. Last payment date are different between XXXX and Equifax. This account may also be a duplicate. Equifax also state the account has been transferred or sold however they are still reporting this account as paid and on time to date, 6. XXXXXXXX XXXX Account Number : XXXX ISSUES : This is not my account. XXXX and Equifax have different account numbers. Equifax is reporting the account as PAID and Current. XXXX is reporting closed and 120 days late. Date open and date closed are different between XXXX and Equifax. Last reported are different between XXXX and Equifax. Last payment date are different between XXXX and Equifax. Equifax states the account has been sold/transferred yet still report this account as open and paid and ok. 

7. XXXXXXXX XXXX Account Number : XXXX ISSUES : This is not my account. XXXX and Equifax have different account numbers. Equifax is reporting the account as PAID and Current. XXXX is reporting closed and 120 days late. The date open and date closed are different between XXXX and Equifax. The last reported dates are different between XXXX and Equifax. Last payment dates are different between XXXX and Equifax. Equifax states on my credit report, a re-investigation is in progress however, I have not been sent any documentation since I requested them in XXXX XXXX XXXX. This account may also be a duplicate. 


8. XXXX XXXX Account Number : XXXX ISSUES : This is not my account. XXXX and Equifax have different account numbers. Equifax is reporting the account as PAID and Current. XXXX is reporting closed and 120 days late. Date open and date closed are different between XXXX and Equifax. Last reported are different between XXXX and Equifax. Last payment date are different between XXXX and Equifax. Equifax states on my credit report, a re-investigation is in progress however, I have not been sent any documentation since I requested them in XXXX XXXX XXXX. This account may also be a duplicate.

Company response to consumer: Closed with explanation