Consumer complaint received 2022-08-10
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:
Account : XXXX # XXXX 1 ) I submitted my original dispute to Equifax on XXXX 2 ) I received no response at all.

3 ) I filed a complaint with the CFPB on XXXX XXXX ) Equifax finally responded on XXXX saying they are awaiting a response from the creditor which is irrelevant. They are already in violation of my rights under the Fair Credit Reporting Act and MUST DELETE THIS ACCOUNT FROM MY CONSUMER REPORT. 


Equifax has not adequately responded to my dispute of failure to abide by the Fair Credit Reporting Act.

1. They are saying that the creditor is investigating my dispute but it has been over 30 days since I submitted my dispute and I didnt/still havent gotten a response or been alerted to their being a reinvestigation properly conducted. This is a clear violation of 15 U.S.C 1681i Section A. A consumer reporting agency, upon a consumer dispute, must conduct a reinvestigation to determine whether information is inaccurate and record the current status or delete the item from the file before the end of the 30 day period beginning on the date on which the agency receives the notice of dispute from the consumer. They are already in violation of the FCRA and MUST DELETE THIS ACCOUNT FROM MY CONSUMER REPORT.

2. They never responded to my dispute of their actions based on 15 U.S.C. 1681 section 603 ( D ) ( 2 ). Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. My consumer report should not contain transactions such as payments. These experiences should not be furnished on my report as per the FCRA and MUST BE DELETED FROM MY CONSUMER REPORT.

3. They forwarded my dispute to the creditor, but this particular dispute isnt with the creditor. Im disputing Equifax on the fact that they are in violation of the Fair Credit Reporting Act. While the creditor is reporting inaccurate information, it is Equifaxs fault for furnishing it on my report and they must take accountability. There is no way the creditor can validate the accuracy of me having late payments when I never paid late those months. The months of late payments and the repossession dont even make sense. How can I be late in XXXX, on time in XXXX, then repossessed in XXXX. There is no way they are conducting a reasonable reinvestigation and validating these claims. 4.15 U.S.C. 1681 section 604 ( A ) ( 2 ) states " a consumer reporting agency can not furnish an account without my written instructions. '' I never gave XXXX permissible purpose to furnish negative marks on my consumer report and according to the Fair Credit Reporting Act they are suppose to alert me of any negatives furnished to my consumer report. They never gave me any form of notification, thus it would be impossible for them to prove this to a Consumer reporting agency. Equifax is in clear violation of my rights under FCRA and they are continuing to effect my right to fair credit. I assert that they must REMOVE ALL NEGATIVE notes and accounts related to this creditor including late payments, repossessions, etc. They have provided no evidence that they followed the law and seem to refuse to do so.

I will not hesitate to take legal action if Equifax does not remove this inaccurate and illegal information from my consumer report. Under the FCRA, Equifax will be responsible for all damages stemming from my inability to get credit because of this inaccurate consumer report. Under the FCRA this will be either {$1000.00} or the value of the missed opportunity, WHICHEVER IS GREATER. 

EITHER REMOVE ALL NEGATIVE MARKS FROM THIS ACCOUNT OR DELETE THE ENTIRE ACCOUNT FROM MY CONSUMER REPORT AS DEFINED IN THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation