Consumer complaint received 2022-06-16
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:
In accordance with the Fair Credit Reporting Act, EVERYTHING has to be 100 % accurate on my credit report. 

I pulled my report on XX/XX/2022 and noticed XXXX XXXX ACCT # XXXX was being reported inaccurately across all three bureaus. I called Equifax, XXXX and XXXX and was told this account would be deleted for violated the law and my rights. Attached is a copy of the report I am referring to on XX/XX/2022. 

I then received a letter dated XX/XX/2022 ( attached for your reference ) that the bureaus property investigated this account and the account has been updated. How is this possible? The date of last activity, payment history, date last reported all are inaccurate and do not match. I then submitted a CFPB complaint as this account needs to be removed for violating my rights under 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. ( A COPY OF MY CFPB COMPLAINT IS ALSO ATTACHED ) The Credit Bureaus then stated stated that XXXX XXXX ACCT # XXXX was properly investigated but how is that possible if the attached report from XXXX still shows the inaccurate information. The date of last activity is inaccurate, payment history and the date last reported is not accurate. This is grounds for removal as they violated my rights under : 15 U.S.C. 1681 Section 602A : States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : Also States a Consumer Reporting Agency CAN NOT furnish an account without my written instructions. 

Then I received a letter from the bureaus on XXXX ( ATTACHED ) advising this account has been updated. Again, another clear violation under 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. The attached XXXX credit report still shows all these inaccuracies. 

I then submitted a letter on XXXX to all XXXX bureaus asking for their method of verification as both the XXXX and XXXX credit reports show inaccuracies and different information which do not match and is not accurate. 

I then received a letter from the bureaus ( ATTACHED ) on XXXX advising they could not investigate as they did not know if the letter I sent was from me. How in the world could they say that when I attached a copy of my drivers license to the letter I sent along with social security card and proof of my residency. I have attached a copy of the letter I sent for your reference. 

Now, as of XXXX, I have a 3rd report showing XXXX XXXX ACCT XXXX XXXX is being reported inaccurately across all three bureaus. XXXX XXXX  XXXX XXXX XXXX has violated my rights under : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

15 U.S.C. 1692C : States without the prior written consent given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Please Delete this account Immediately I have attached the credit reports from month to month ( XX/XX/2022 to XX/XX/2022 ) showing the inaccuracies, attached all the letters, tracking number of my dispute ( XXXX ) and my drivers license and proof of residency.

Company response to consumer: Closed with explanation