Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: AZ
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:
In XXXX, I was denied credit based off incorrect reported information contained in my credit report. In XX/XX/XXXX, I sent a certified letter requesting my credit reports to be completely investigated and to promptly delete all inaccurate information. 

In accordance with the Fair Credit Reporting Act ( FCRA ) the consumer reporting agency are required by law to provided the consumer 1. The original contract 2. Pay off disclosure 3. Interest Disclosure 4. Balance History 5. Payment History 6. Credit Insurance and who conducted the investigation.

Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The Consumer Reporting Agencies reported all information as verified accurate without completing the investigative process IAW with the law.

FCRA 15 USC states the consumer report must be 100 % accurate if it is not remove each item from the report.

The following have violated my rights under the following : 15 USC 1681 section 602 ( A ) States I have the right to privacy.

15 USC 1681 section 604 Section 2 states a Consumer Reporting Agency can not furnish a account without written instructions directly from me.

15 USC 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

Accounts : XXXX. Account number 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 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 XXXXXXXX Account status Closed Date opened XX/XX/XXXX Account type Installment account Payment summary : Reported XXXX and Jul 30 days late after account closed, however did not report complete payment history XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone number ( XXXX ) XXXX XXXX. Account # XXXX reporting after closed date. Failed to report XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX Account has XXXX under XXXX account number with different open dates XXXX. Account # XXXX XXXX XXXX XXXX XXXX payments reported on account XXXX. XXXX XXXX XXXX XXXX Account # XXXX Reporting of Late Payments XXXX XXXX, XXXX, XXXX XXXX XXXX Did not report payments XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. 
Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX XXXX. XXXX XXXX Account status Open Date opened XX/XX/XXXX Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Payment summary Failed to 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, CA XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation