Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have asked via letters and over the phone for the credit bureaus to delete addresses that are not mine and verify the validity and all the information pertaining to these accounts ( account # s, dates, amounts, etc ). I also requested that the send me the information of the verified information. I have only received back verified notices with no changes and no documentation. I believe as they are ignoring my request and just pushing buttons to make me go away. This is really affecting my way and putting my family and I in a very bad situation. I furthermore believe the bureaus are also in violation of the following FCRA laws : FCRA Section 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) ( 5 ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

FCRA Section 604 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) ( 2 ) ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

The addresses and accounts below are the items in questions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ***Never lived here XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX lived here XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX lived here XXXX XXXX Acct # XXXXXXXX Information not verified - dates are same as XXXX ago XXXX Acct # XXXX Information not verified - dates are same as XXXX ago XXXXXXXX XXXX XXXX XXXX Information not verified - dates are same as XXXX ago XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - dates and amounts are same as XXXX ago XXXX XXXX ( XXXX XXXX Acct # XXXXXXXX XXXX not verified - dates are same as XXXX ago XXXX XXXXXXXX Acct # XXXX Information not verified - dates and Acct # XXXX are same as XXXX ago XXXX XXXXXXXX Acct # XXXX Information not verified - dates and amounts are same as XXXX ago XXXX XXXX  Acct # XXXX Information not verified - dates and amounts are same as XXXX ago XXXX XXXX ( XXXX XXXX Acct # XXXXXXXX Information not verified XXXX XXXX and amounts are same as XXXX ago XXXX XXXX XXXX Acct # XXXXXXXX Information not verified - dates and amounts are same as XXXX ago XXXX Acct # XXXX dates are same as XXXX ago XXXXXXXX Acct # XXXX dates are same as XXXX ago XXXX Acct # XXXXXXXX dates are same as XXXX ago I can't stress enough how these inaccuracies are affecting my life now. I demand reasonable action as any consumer

Company response to consumer: Closed with explanation