Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2023, I sent my letter to Equifax Information Services LLC. in regards of validating 3 student loan accounts that were removed from my report and shortly after reinserted. There are 3 closed student loan accounts that are reporting after the 7 year period which triggers a violation of 15 USC 1679c.

There is also inaccurate information being reported on my consumer report such as, late payments being reported on a closed account that has been on my report for over the 7 year window. These late payments violate 15 USC 1681a ( 2 ) ( a ) ( i ). After review of my report, I asked for a proper investigation and evidence to support the method of verification to validate the accounts and alleged debt due to errors I noticed. I have attached the letter that was sent via certified mail with the tracking number XXXX XXXX XXXX XXXX XXXX. 

According to the FCRA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through interviews with neighbors, friends, or associates of the consumer reported on or with others whom is acquainted or who may have knowledge concerning any such items of information..

It is a requirement of law that the consumer reporting agency 's assure accuracy and error free consumer reports. It is their grave responsibility to do so according to 15 USC 1681s-2. They have failed to meet the requirements herein, which makes them civilly liable according to 15 USC 1692k and/or criminally liable. They are conveying false information on my consumer report which is a violation pursuant to 18 USC 35. In addition, the accounts were still reporting while the dispute was taking place which is a violation of 15 USC 1692e. They are willfully violating the requirements of law and my rights as a consumer. I have been denied personal and business credit which hindered/hinders my business from growing. I have suffered from identity theft due to their data breach. My character is being defamed and my identity is being tarnished due to their blatant disregard to fulfill the requirements of the Code of Federal Regulations. I asked for a proper reinvestigation and for the company to remedy the situation monetarily as deserved. My rights are being violated as a consumer and have been for many years. I have the credit report and other necessary proof that these accounts are not accurate and not being reported accurately. I have been keeping a close record of the disregard of my rights, as a consumer, that are required by law.

Account ( s ) Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are also fraudulent inquires that were previously disputed and ignored. I want these inquiries validated and/or removed as well as the outdated information I asked to be removed. If they can not provide me the method of verification, as I asked, in good faith, these inaccurate/outdated/invalid accounts/items must be removed immediately.

Company response to consumer: Closed with non-monetary relief