Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
After pulling my credit file on XX/XX/XXXX, I noticed that several issues with my credit file that are affecting my ability to qualify for housing, reasonable financing terms, credit cards, and it is painting a false picture of my character. On the personal information section of my credit profile, I noticed that my middle name is not on my credit profile. This is a problem for me because one, the other bureaus have my entire full name on my credit profile and two, someone with the same first name middle initial and last name could do things in my name. I also noticed that the employer listed on my credit file is not my current employer. And my full date of birth is not on file it just has the year. I also noticed that there is something odd with the address. XX/XX/XXXX should not be there. This is really interesting because now I am questioning the past investigation that were done. It is to my understanding that during an investigation you are supposed to verify the employer, my date of birth and address to conduct an accurate investigation. How could your investigation be accurate and done correctly if my credit file lacks the accurate employer, accurate date of birth and accurate address? That means that you did not have the necessary information to conduct an accurate investigation. 
Moreover, I would like the following late payments removed and all student loan accounts to be removed from my credit file because it is in violation of consumer law 15 USC 1681b ; 1 ) XXXX XXXX ( # XXXX ) XXXX XXXX 30 days late Have a goodwill adjustment from company stating to remove all late payments 2 ) XXXX XXXX XXXX XXXX ( # XXXX ) XXXX XXXX  30 days late Have a goodwill adjustment from company stating to remove all late payments 3 ) XXXX XXXXXXXX ( # XXXX ) XXXX XXXX 30 days late In violation of consumer law 15 USC 1681B Has no permissional purpose being on my credit file and is affecting my ability to qualify for housing, reasonable financing terms, credit cards, and it is painting a false picture of my character. 

4 ) XXXX XXXX XXXX ( # XXXX ) XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX30 days late XX/XX/XXXX -- 60 days late In violation of 15 USC 1681b, and 15 USC 1666b ( a ). I would also like to enact law 15 USC 1637, sub section 1. I would like a material disclosure of the fianc charge for this account. 

5 ) XXXX XXXXXXXX XXXX XXXXXXXX ( # XXXX ) XXXX XXXX 60 days late In violation of 15 USC 1681b, and 15 USC 1666b ( a ). I would also like to enact law 15 USC 1637, sub section 1. I would like a material disclosure of the fianc charge for this account. 

For the XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) accounts I have letters from the companies illustrating their permission of having all late payments removed from my account as a courtesy. The late payments on XXXX XXXXXXXX ( # XXXX ), XXXXXXXX XXXX XXXX ( # XXXX ), and XXXXXXXX XXXX XXXX XXXXXXXX ( # XXXX ) are all in violation of consumer law 15 USC 1681b and 15 USC1666B ( a ). I would also like a fianc charge for the aforesaid accounts ; 15 USC 1637.

Company response to consumer: Closed with explanation