Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I submitted a dispute and a complaint with the CFPB about The 3 Consumer reporting agencies Equifax and XXXX and XXXX reporting and furnIshing inaccurate Information on my Consumer report. All 3 are reporting inaccurate and different information FRCA States all Information Reporting Must be Accurate The first consumer reporting agency to respond to those disputes and complaints was ( Equifax ) they responded on XX/XX/2022 " the complaint ID '' ( # XXXX ) and in the companys response to my complaint was this : ( Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : NON REPORTING DISPUTES Collection : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Collection : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Collection : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Collection : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Collection : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Collection : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Collection : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Collection : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Collection : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. ) they indicated the investigation they conducted was completed and that all the accounts I mentioned were not currently reporting to my ( Equifax ) credit file. 
But this was not true and how is that possible when the *Personal Information *Date Opened, *Last Reported, *Date Last Active *Date Last Active *Date of Last Payment *Comments to all Accounts in Question are all inaccurate Information which is a violation of my Consumer Rights Below are the Inaccurate Accounts in Question # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX After further review and doing my own investigating By obtaining a recent copy of my Consumer report and I made Comparisons and found the same inaccuracies that I initially made a dispute and complaint about that they indicated were not reporting were actually still currently reporting and also reporting inaccurately as well which is a clear indication that they did not do a complete proper investigation as they claim and they also have violated my Consumer protection rights I am furious that these accounts are still reporting on my Consumer report and affecting My life Negatively after it was suppose to be investigated properly and removed were not I will enclose the Necessary proof to back up my complaint And to think when I made my dispute and complaint they responded so quickly I instantly knew that a proper investigation was not completed correctly due to how fast they responded and that in itself is a clear indication that my rights were violated once again because I never gave anyone my written consent or any instructions to furnish any information to my Consumer report which is another violation Under the Consumer Protection Law : 15 USC 1681 section 602a States I have the right to privacy 15 USC 1681 section 604 a section 2 it also States a consumer reporting agency can not furnish a account without my written instructions 15 US CODE 1681 S-2 RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) REPORTING INFORMATION WITH INACCURATE KNOWLEDGE OF ERRORS ( A ) person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer or to any consumer reporting agency if ( I ) The person has been notified by the consumer at the address specified by the person for such notices that specific information is inaccurate and ( II ) The information is, in fact, inaccurate You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to CURE and DELETE this Erroneous, inaccurate account from my Consumer report. YOU HAVE 10 calendar days to DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ENCLOSED BELOW IS PROOF OF EACH INACCURATE ACCOUNT IN PDF FORM EVERYTHING THAT I HIGHLIGHTED IN YELLOW IS INCORRECT AND INACCURATE!!!

Company response to consumer: Closed with explanation