Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
EQUIFAX Credit Reporting Agency XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

15 USC 1681a ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Any payment history would be considered transactions or experiences between the consumer and the person making the report. The accounts listed below do not fall under the medical exceptions in paragraph ( 3 ). You are reporting inaccurate information on my consumer report and must remove this information immediately. 

15 USC 1681e - Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below, or a Certification from the creditor that certified the accuracy and completeness of the information/account, and not just an XXXX system validation. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 

I demand that the following account be validated or DELETED immediately : XXXX XXXX  Account Number XXXX XXXXXXXX XXXX XXXXAccount Number XXXXXXXX XXXX XXXX XXXX XXXXAccount Number XXXX XXXX XXXX XXXXAccount Number XXXX In addition, DELETE all non-account holding inquiries. Also, please add a promotional suppression to my credit file. 

You are to also DELETE all variations of my name as these are inaccurate and not my name, XXXX XXXX is the only name. DELETE all addresses in my report except XXXX XXXX XXXX, XXXX XXXX, RI XXXX, as these are inaccurate. DELETE all phone numbers that you are reporting, as these are inaccurate. 

Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, and shall be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you, Sincerely yours, This notice was sent out XX/XX/2023 by Certified Mail, Green Return Receipt and was signed for XX/XX/2023. Equifax responded claiming the accounts are verified. They have violated my rights under the Fair Credit Reporting Act and have caused me damage and financial hardship due to their inaccurate reporting and failure to properly investigate the accounts reported.

Company response to consumer: Closed with non-monetary relief