Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act convergent account # XXXX ( XXXX department store ), account # XXXX ( XXXX XXXX XXXX ) and account # XXXX ( XXXX ) has violated my rights. 

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 sates a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1666b : states that Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


On XX/XX/XXXX I was looking at my consumer report, and realized there was a lot of inaccurate & Fraud information that was on my consumer report. Than I went ahead to the police station and report the fraud accounts on my report. The police Case Folder Number is : XXXX. Also filled an identity theft report on XX/XX/XXXX. The FTC Report Number is : XXXX. 
I contact the companys that reported these inaccurate & fraud information on my consumer report, XXXX  XXXX went ahead and removed the incorrect information off my report. XXXX department store and XXXX XXXX XXXX did not removed these inaccurate information off my report. I also file many disputes with credit bureaus, XXXX and XXXX did not remove the negative item. On XX/XX/XXXX Equifax sent me a letter they took the negative item off as showing confirmation below. 
CREDIT FILE : XX/XX/XXXX Confirmation # XXXX And than they went ahead and re-report the incorrect information on my report again after finding the information inaccurate. Now XXXX XXXX account # XXXX is reporting inaccurate and unfair information to my report they stated that my last payment was on XX/XX/XXXX and a high balance of {$710.00} and date account was closed is XX/XX/XXXX. 

Now Equifax on the other hand reporting this account last payment date was XX/XX/XXXX. And they have no account number listed for this account.they also stated that the high balance on this account is {$600.00}, and the date the account was closed is XX/XX/XXXX. 
How both account the same but reporting XXXX different information to the credit bureaus? Please delete this inaccurate, unfair information off my consumer report immediately. Under the fair credit reporting act under law you guys have to delete this inaccurate information off my consumer report. You have 10 calendar days to remove this inaccurate information off my consumer report or I will take legal action against your company. 

also now XXXX XXXX XXXX is reporting inaccurate information on my credit also. They sated that on XXXX and Equifax theres a late Paymet on the account and the other bureaus are not reporting no late payment. equifax stated that the day of my last payment was XX/XX/XXXX. XXXX reported that my last payment was on XX/XX/XXXX. Again how is this the same account reporting different inaccurate information to my consumer report. I want both of the accounts above I listed deleted from my consumer report immediately. Below is all my proof and documentation that support this claim. 

UNDER THE Fair Credit Reporting Act ( FCRA ) THEY STATED THAT EVERYTHING HAVE TO BE 100 % ACCURATE. NONE OF THESE INFORMATION IS ACCURATE. HOW IS IT THE DATES DONT MATCH DELETE THESE ACCOUNTS IMMEDIATELY. I DID NOT GIVE WRITTEN PERMISSION FOR THESE ACCOUNTS TO BE FURNISH ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation