Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 US Code 1692- Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

1681 ( a ) ( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The credit bureaus have reported these toyota accounts as Updated with accurate information.

I am still seeing inaccurate/incomplete information being reported to my credit report.

Not only was one of the accounts satisfied by XXXX XXXX.it is reported as a Charge Off, which according to our laws represents stated Income. income can not be debt.

I have attached photos with highlighted, underlined, circled, and arrowed issues.

I have already requested a complete update with 100 % accurate information reflecting. There is still information missing and inaccurate information reported.

I am requesting immediate removal of Both XXXX  accounts from my credit report, without prejudice.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information 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 ( There is CLEAR inaccuracy in the information reported, but even after multiple disputes, the account remains reporting inaccurate/incomplete 15 USC 1666 ( b ) Billing error For the purpose of this section, a billing error consists of : ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( I have not received verifiable proof of accuracy, nor accurate accounting ) 15 U.S. Code 1692e - False or misleading representations ( Boasting Accuracy- Reporting Inaccurate information )

Company response to consumer: Closed with non-monetary relief