Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: GA
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:
Hi, I hope you are having an amazing day, Ive been having the worst luck trying to repair my credit. I feel less of a human because I was not educated on credit. I have been scammed a couple times so Im trying again myself. I have communicated numerous times with all 3 credit bureaus XXXX, Equifax, and XXXX. 
Ive been told by reps that personal info and accounts would be updated and never was. There is unauthorized information that is on my credit report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

FTC REPORT NUMBER : XXXX PLEASE BLOCK AND DELETE THE FOLLOWING : UNAUTHORIZED PERSONAL INFORMATION * XXXX XXXX DELETE XXXX XXXX XXXX XXXX Ga XXXX DELETE XXXX XXXX XXXX XXXX NY XXXX XXXX *Employer : XXXX XXXX XXXX DELETE UNAUTORIZED ACCOUNTS BLOCK AND DELETE XXXXXXXX XXXX XXXX XXXX  Late payments XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX DUE TO COVID and XX/XX/XXXX all have inconsistent reporting across all 3 bureaus. 
*THIS VIOLATES FCRA LAW 15 USC 1681A2A1, *THIS VIOLATES FCRA LAW 15 USC 1681 E 2* Dept of Ed/XXXX Date opened, Last reported, Date Last Active, and Date of last payment all have inconsistent reporting across all 3 bureaus. 
*THIS VIOLATES FCRA LAW 15 USC 1681 A2B, *THIS VIOLATES FCRA LAW 15 USC 1681 E 3 * XXXX XXXX XXXX Account status, No. of months, High Credit, Last reported, Comments, Last active and Date of last payment all have inconsistent reporting across all 3 bureaus. 
*THIS VIOLATES FCRA LAW 15 USC 1681 A2B, *THIS VIOLATES FCRA LAW 15 USC 1681 E 4* XXXX XXXX Acct Type Detail , Acct Status, Date opened, No. of months, High Credit, Pymt Status, Last reported, Comments, Date last active, Date of last Pymt all have inconsistent reporting across all 3 bureaus.

*THIS VIOLATES FCRA LAW 15 USC 1681 A2B, *THIS VIOLATES FCRA LAW 15 USC 1681 E 5* XXXX XXXX Account type detail, Acct status, Date opened, High Credit, Last reported, Date last active, Date last payment all have inconsistent reporting across all 3 bureaus.. 
*THIS VIOLATES FCRA LAW 15 USC 1681 A2B, *THIS VIOLATES FCRA LAW 15 USC 1681 E 6* XXXX XXXX Account Status XXXX Date opened, No. of months, Last reported, Comments, Date last active, Date of last payment all have inconsistent reporting across all 3 bureaus. 
*THIS VIOLATES FCRA LAW 15 USC 1681 A2B, *THIS VIOLATES FCRA LAW 15 USC 1681 E UNAUTORIZED INQUIRIES AND DATES OF INQUIRIES BLOCK AND DELETE XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX *THIS VIOLATES FCRA LAW 15 USC 1681 N SECTION B2, *THIS VIOLATES FCRA LAW 15 USC 6802 B, *THIS VIOLATES FCRA LAW 15 USC 1681 A2B, *THIS VIOLATES FCRA LAW 15 USC 1602 L You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 business days from the date of the receipt of this notice. Please send updated consumer report with said blocks and deletions. 

Thank you XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation