Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
State: PA
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:
Equifax is reporting a false, inaccurate, and unverifiable account on my credit report. I have written to them many, many times over the past few years regarding this account. The account to which I am referring is XXXX  xxxxxxxxxxxx XXXX. Under the FCRA this account MUST be deleted immediately because when I wrote to the original creditor asking for any verification documents they may have on this account I found that the account numbers are TOTALLY and completely different. I also found that XXXX sent the billing statements to addresses I've never resided at, and that the address they sent their verification to is different than the one on the alleged account. The account number sent to me by comenity bank for this account is XXXX. As you can see, that is a TOTALLY different account number than what equifax is reporting on my credit. Under the FCRA, this account MUST BE DELETED IMMEDIATELY! I am not sure why it is so difficult for them to get this right! 

Please forgive the fact that their cover letter is wrinkled and dated from XX/XX/2021. I requested this verification months ago, and I have been very unsure on how to proceed because once I got this document, I was SURE that my rights are being violated. I have contemplated reaching out to an attorney as I've sent this SAME information to the credit bureaus several times, and they continue to report this false, inaccurate account on my credit. Because my verification from commenity bank proves the inaccuracy of this account, please remove it from my credit immediately. There are entirely too many discrepancies in this account for it to be accurate or verifiable, and at this point, it MUST be deleted from all of the above credit bureaus. Under 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports I, XXXX XXXX, give NO consent for this account to be reported by any of the credit bureaus listed above. The federal law is listed below : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. My written instructions were sent to Equifax on XX/XX/2021 asking that because of the nature of how inaccurate and false this account is, and under the above-stated law, this account is removed. I sent this via certified mail. Below I listed the tracking numbers so that you can see the exact date which these letters with my written instructions were sent to these credit bureaus. I've also included the certified mail receipt for each of the credit bureaus in the attachments. I am perplexed as to why this is still on my credit report when I've provided my proof and cited the law. The tracking number is Equifax : XXXX XXXX XXXX XXXX XXXX. My rights are being violated by this account being on my credit. If it is possible, I would like to sue Equifax for {$3000.00} each for not removing this account after receiving my written notices under 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports.

Company response to consumer: Closed with explanation