Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear CFPB, In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, states I have the right to privacy 15 USC 1681 Section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account with my written instructions, and under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. U.S. CODE 1666b-Timing of payments I have sent a letter to Equifax and sent you CFPB a copy and even though my information is being processed, I received a negative and discriminatory letter stating this : " we will not be conducting further investigation into this accounts at this time. '' Then they are indicating that my information on my credit report is " irrelevant '' without a care in the world! This is my credit report and I have no late payments. Please look at the letter that I am uploading and submitting to you. According to the law, I have the right to dispute incorrect and inaccurate late payments on my report. But according to... 

1. Fair Credit Reporting Act ( FCRA ) : The FCRA is a federal law that regulates the collection, dissemination, and use of consumer information in credit reports. It requires consumer reporting agencies to provide individuals with a free copy of their credit report once every 12 months upon request. The FCRA also allows consumers to DISPUTE INACCURATE or INCOMPLETE information in their credit reports and have it corrected or removed.

2. Equal Credit Opportunity Act ( ECOA ) : The ECOA prohibits credit DISCRIMINATION on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. It requires creditors to notify applicants of the reasons for adverse credit decisions, which may include information obtained from credit reports.

-Equifax has done such, but they are telling me that they will not be conducting further investigation, as though it is their credit report. They are breaking the ENTIRE LAW, by having these late payments on my credit report and violating my privacy.

3. Consumer Financial Protection Bureau ( CFPB ) : The CFPB is a U.S. government agency responsible for ENFORCING CONSUMER financial protection laws. The law states that CFPB, has the right to issue regulations and guidelines related to credit reports and fair lending practices.

4. Fair and Accurate Credit Transactions Act ( FACTA ) : FACTA is an amendment to the FCRA that enhances CONUMER RIGHTS. It includes provisions regarding identity theft protection, the ACCURACY of credit reports, and the disposal of consumer information.

And they are revoking my rights as a consumer. The nerve of them to tell me... the consumer that they will not be conducting further investigation on my account... which is against the law and is violating my privacy, rights and breaking the law by discriminating practices at their agency. EQUIFAX, is breaking the law, by not respecting the law. Please see to it that Equifax follow the laws, because they feel like my information is irrelevant according to the letter below. 

Thank you,

Company response to consumer: Closed with explanation