Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: CT
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: Their investigation did not fix an error on your report

Complaint:
IS IT NOT A DUTY BY LAW to only report absolutely 100 % TRUE and ACCURATE information or is that not a stardard anymore in this great country we call the United States of America. Well I still believe are Country 's laws has the power to make sure people are held accountable and perform their duties to the best of their ability and while following the laws and regulations.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

I was confident and trusting that this company would follow the FCRA laws and regulations, but I received a notice that after they have said that they did a full complete thorough and proper investigation of these inaccurate false accounts on my consumer report, they were in FACT ABSOLUTELY 100 % " VERIFIED ''. 
Now I have lost all confidence and trust that they actually did a fair and thorough investigation because since getting that notice from XXXX and EQUIFAX of the accounts being verified, I have received a letter directly from XXXX CREDIT CARD COMPANY saying that they did their own investigation and they didn't find any evidence of this being my account, so they said they have made arrangements to remove all reporting of the tradeline from all of my reports ( I have attached documents of proof ). It has since still NOT been removed. How is this possible if they did what they said. That makes everything they have been telling me possibly invalid. I sent a method of verification letter request on XX/XX/XXXX which i have also attached. I haven't received anything back as of yet but some of the accounts i have requested to know how it was investigated ( with specific questions and requests ) has since been deleted after they said they verified it. 
I have also attached proof that the accounts that they have said they investigated and verified as 100 % true and accurate are indeed FAR from accurate and true which to me seems like a sense of negligence that has greatly affected me and my family lives and standard of living for some time now. I've already been denied access to credit, funds, housing, employment, and also bank accounts. How can this be possible if proper procedures were followed. I NEED THESE ACCOUNTS REMOVED FROM MY CONSUMER REPORT REMOVED FROM MY CONSUMER REPORT IMMEDIATELY as i am applying for an important position that checks these reports before making a decision. I have been in contact with a consumer law attorney and we agreed to give people a chance to cure and correct the problems they have caused. 
XXXX is honorable but the rest of these companies are not in honor as they keep updating the information on my reports to more invalid, inaccurate, information and i have saved all proof since last year. 
These accounts have had many violations which is XXXXXXXX XXXX for each violation according to FCRA laws. 
BELOW ARE THE ACCOUNTS STILL BEING REPORTED THAT NEED TO BE REMOVED IMMEDIATELY : XXXX XXXX XXXX ( EQUIFAX XXXX XXXX XXXX I RECIEVED NOTICE DIRECTLY FRO XXXX THAT THE ACCOUNT IS INDEED INVALID AFTER BEING VERIFIED. HOW IS THIS POSSIBLE! 

XXXX XXXX ( EQUIFAX XXXX XXXX XXXX HOW CAN THIS ACCOUNT BE VERIFIED AS ACCURATE WHEN ITS VERY INACCURATE INFORMATION EQUIFAX AND XXXX COMPLETELY DIFFERENT LAST PAYMENT DATES AND LAST DATE OF ACTIVITY!! HOW CAN EQUIFAX REPORT THE ACCOUT 30 DAYS LATE FOR XX/XX/XXXX BUT XXXX SAYS MY LAST PAYMENT DATE WAS XX/XX/XXXX THEY ALSO REPORT 2 DIFFERENT CREDIT LIMITS. I DONT KNOW WHO TO BELIEVE IM SO CONFUSED BECAUSE THAT MAKES THE WHOLE ACCOUNT COMPROMISED AND INVALID. 

XXXXXXXX XXXX XXXX- ( XXXX XXXX I'VE NEVER OPENED THIS ACCOUNT OR SHOPPED AT XXXX XXXX IN MY LIFE. WHY IS THIS ON MY CONSUMER REPORT. POSSIBLE FRAUD ACCOUNT

Company response to consumer: Closed with explanation