Consumer complaint received 2023-08-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system Under 15 U.S. Code 16812 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation Did not consent to unauthorized inquiry Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) this account in violation not reporting 100 % accurate.

Under 15 U.S. Code 1681a ( 2 ) B Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts.

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days ( new rule ) instead of 5 days prior I was not. I can only validate this debt. I do not wish to validate this debt. Initial means existing or occurring at the beginning FDCPA Section 807 Violation Misleading False Reporting Under M5 U.S. Code 1602 ( p ) - unauthorized use of my information Under 15 U.S.C. 1681i ( 7 ) Method of verification is highly demanded 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) ( B ) ( 0 ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) Under 15 U.S.C. 1681c-2-Block of information resulting from identity theft Under 15 U.S. Code 1692c ( c ) Ceasing communication ( cease and desist ) Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) - No transaction should be included In a credit report I know that Under 15 U.S. Code 1681/ ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation 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 reinvestigation ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

im doing my own dispute.

Company response to consumer: Closed with explanation