Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern, I recently submitted a verification of the following accounts that appeared to be unfamiliar with me. XX/XX/XXXX, Illinois XXXX XXXX XXXX, a college I attended, had a security incident whereas I and other current and former students personal information was stolen! 
( see enclosed : official letter from Illinois XXXX XXXX XXXX XXXX personal information breach ) Upon further examination of these unfamiliar accounts reported by XXXX I began to check the reporting done by your company as well as Equifax and XXXX related to me and found that neither of you three are reporting consistent, accurate, and complete information. According to the FCRA, credit reports are supposed to be accurate, complete, and verifiable! There are a number of eras within the report with several unfamiliar and unverified items in particular. 



In each and every category, XXXX reports Items with either completely different totals, findings, some blank from the other reporting agencies. Neither Agency in general have similar information as the other. 
XXXX couldnt provide me with their methods of investigation as to the verification of the following Accounts : Acct # XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX Equifax XXXX Opened : XX/XX/XXXX Date Opened should be consistent where we have your agency reporting one date and Equifax and XXXX reporting another. Which date is correct? 

If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 


XXXX Date Last Active : XX/XX/XXXX XXXX  Date Last Active : XX/XX/XXXX Equifax Date Last Active : XX/XX/XXXX All Date Last Active dates are being reported by the so-called furnisher inconsistently across each of the 3 credit reporting agencies as to the correct date last active dates If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 


XXXX Date of Last Payment : XX/XX/XXXX XXXX  Date of Last Payment : XX/XX/XXXX Equifax Date of Last Payment : XX/XX/XXXX Date of Last Payment should be consistent where we have your agency reporting one date and Equifax reporting another. Which date is correct? 
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 
Based upon the above 3 inaccuracies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 XXXX ( XXXX XXXX ) above account XXXX Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX Equifax XXXX Opened : XX/XX/XXXX Date Opened should be consistent where we have your agency reporting one date and Equifax and XXXX reporting another. Which date is correct? 
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 

XXXX Date Last Active : XX/XX/XXXX XXXX Date Last Active : XX/XX/XXXX Equifax Date Last Active : XX/XX/XXXX All Date Last Active dates are being reported by the so-called furnisher inconsistently across each of the 3 credit reporting agencies as to the correct date last active dates If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 






XXXX Date of Last Payment : XX/XX/XXXX XXXX  Date of Last Payment : XX/XX/XXXX Equifax Date of Last Payment : XX/XX/XXXX Date of Last Payment should be consistent where we have your agency reporting one date and Equifax reporting another. Which date is correct? 
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 
Based upon the above inaccuracies and inconsistencies within these XXXX categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 XXXX Account Status : Paid XXXX Account Status : Derogatory Equifax Account Status : Paid Account Status should be consistent where we have your agency reporting one date and XXXX reporting another. Which date is correct? 
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 
Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 XXXX Payment Status : Late 60 Days XXXX Payment Status : Current Equifax Payment Status : Current Payment Status should be consistent where we have your agency reporting one date and Equifax and XXXX reporting another. Which date is correct? 
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 
Based upon the above inaccuracies and inconsistencies within these XXXX categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 XXXX Last Reported : XX/XX/XXXX XXXX Last Reported : XX/XX/XXXX Equifax Last Reported : XX/XX/XXXX Last Reported should be consistent where we have your agency reporting one date and Equifax and XXXX reporting another. Which date is correct? 
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 
Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 Delete Account XXXX XXXX XXXX Account : N/A XXXX Account Status : Derogatory Equifax Account : N/A Account Status should be consistent where we have your agency being the only agency reporting this lone-ghost account. Which agency is Correct? 
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 
This Account is close to the time of the breach of my personal information with Illinois XXXX XXXX XXXX! 
Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 Delete XXXX XXXX XXXX  # XXXX No Permissible Purpose : DELETE the Following Inquiries : XXXX XXXX : XX/XX/XXXX I never gave anyone permission to run my credit including your company. 
Please provide me with any documents that I signed giving you or anyone written authorization to run my credit. 


These accounts could be as the result of the Illinois XXXX XXXX XXXX Student breach included in the attached documents 15 U.S. Code 1681b - Permissible purposes of consumer reports o ( a ) IN GENERALsubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : o ( 2 ) In accordance with the written instructions of the consumer to whom it relates Further, I request to be forwarded the following proofs of verification of the above accounts, and that failure to provide me with the following documents violates my rights according to the Fair Credit Reporting Act 15 U.S.C 1681 1. Any contracts I signed with the supposed company as I never entered into any contract with any of the above account holders! 
2. Any signed checks with signatures XXXX. Anything with my social security number 4. Pay Off Disclosure 5. Interest Rate Disclosure 6. Balance History 7. Payment History 15 U.S. Code 1681 ( 4 ) Congressional findings and statement of purpose o ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1692j - Furnishing certain deceptive forms o It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. 
o ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

Company response to consumer: Closed with explanation