Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: MI
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:
I started my house hunting journey in XXXXXXXX XXXX XXXX. I started by simply logging into XXXX, Equifax, and XXXX and requesting a full credit report. That is when the problems began. I noticed very early on that these three companies do no mind violating my consumer rights. Realizing there were MANY in-accuracies on my consumer report, I disputed through the three ONLINE portals, the law states, the information needs to be 100 % accurate. They all responded, either updated or verifying everything I disputed. Kind of devastated, because this is causing me to get denied by lenders and putting a huge pause on my life. Determined, I ordered a XXXX XXXX XXXX XXXX XXXX, So i could simply compare all of the information these three credit beurres were reporting. This first report from XXXX was on XX/XX/2022. After seeing these errors still apear on my credit report, I sent XXXX, Equifax, and XXXX a certified letter, asking them to do a proper investigation on all the accounts i had concerns about, and if the information was not 100 % accurate to delete the account immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I then got a response back from all three, and not all three responding within 30 days. XXXX specifically responded XX/XX/2022, Report number XXXX, verifying, updating and deleting items, then stating they did a proper investigation on my account and everything is 100 % accurate. Eqifax Responded XX/XX/2022 report number XXXX, verifying, updating and deleting items, then stating they did a proper investigation on my account and everything is 100 % accurate. XXXX responded, by mail XX/XX/XXXX. verifying, updating and deleting items, then stating they did a proper investigation on my account and everything is 100 % accurate. 
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Not to mention, there are accounts being reported on XXXX  and XXXX that are not being reported by equifax. This IS grounds for removal, and they also 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. 
XXXX took more than 30 days to complete my investigation, my certified mail is above. With this many violations I sent in my first complaint with the CFPB. DATES and full investigations are attached below. This will be my second complaint. I had responses from all three within 3 weeks. XXXX being my ABSOULTE worst experience. VERIFIED everything instantly and sent me some automated response saying they did a proper investigation and i should pay anyone to fix my credit. In accordance with the FCRA and 15 U.S.C 1681 and the several other violations, i would like the following account deleted IMMEDIATELY off of my consumer report. 
XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation