Consumer complaint received 2022-09-19
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:
I am a Natural Person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is governed by 15 USC 1681 and they have violated my rights numerous times. I DEMAND that the Accounts listed below be Removed because ; According to 15 USC 1681, I have the right to privacy and I DID NOT give Equifax written permission to furnish these Inaccurate, Incomplete Accounts. 

Equifax has been providing fake, inaccurate Credit Scores to Creditors and it has dramatically damaged my credit and hurt me and my Familys Financial Well-Being due to higher interest rates, higher insurance premiums, loan denials and unfavorable credit terms. 

In addition, Equifax has re-aged several accounts by purposefully omitting, changing or reporting inaccurate Date of Last Activity. This proves that they DID NOT do a proper Investigation. I have also requested that they send me a detailed report that shows how they performed an independent investigation to determine the accuracy of these negative accounts. They have not supplied the paperwork that proves they did an independent investigation! 

According to 15 USC 1681, Consumer Reporting Agencies have assumed a vital role in assembling and evaluating Consumer Credit and other information on Consumers. 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. 

Accounts to be DELETED : Account Name and Type : XXXX XXXX - ( Credit Card/Revolving ) Account Number : XXXX Reason/Error/Inaccuracy : Stop reporting this Account because the Date of Last Activity is inaccurate. It is a violation to re-age an account. 

Account Name and Type : XXXX XXXX XXXX XXXX ( Credit Card/Revolving ) Account Number : XXXX Reason/Error/Inaccuracy : Delete this Account because the Notice of Dispute Statement, pursuant to section 623 is not present. This is a violation. 

Account Name and Type : XXXX XXXX XXXX ( Credit Card ) Account Number : XXXX Reason/Error/Inaccuracy : Delete this Account because the Date of Last Activity is inaccurate, it is a violation to re-age an account. 

Account Name and Type : XXXX XXXX XXXX ( Credit Card ) Account Number : XXXX Reason/Error/Inaccuracy : Delete this Account because the Date of Last Activity is inaccurate, it is a violation to re-age an account. 

Account Name and Type : XXXX XXXX XXXX ( Unsecured Loan ) Account Number : XXXX Reason/Error/Inaccuracy : This Account is not a Charge-off. Please update this Account to Paid and Closed. The Payment history is inaccurate. 

Account Name and Type : XXXX XXXX ( Note Loan ) Account Number : XXXX Reason/Error/Inaccuracy : Stop reporting this Account because the Date of Last Activity is incorrect. It is a violation to re-age an account. 

Account Name and Type : XXXX XXXX XXXX XXXX  ( Credit Card ) Account Number : XXXX Reason/Error/Inaccuracy : Delete this Account because the Notice of Dispute Statement, pursuant to section 623 is not present. This is a violation. 

Account Name and Type : XXXX XXXXXXXX XXXX XXXX ( Credit Card ) Account Number : XXXX Reason/Error/Inaccuracy : Stop reporting this Account because the Notice of Dispute Statement, pursuant to section 623 is not present. This is a violation. 

Account Name and Type : XXXX XXXX ( Credit Card ) Account Number : XXXX Reason/Error/Inaccuracy : Delete this Account because the Notice of Dispute Statement, pursuant to section 623 is not present. This is a violation. 

Account Name and Type : XXXX XXXX XXXX ( Credit Card ) Account Number : XXXX Reason/Error/Inaccuracy : Delete this Account because the Notice of Dispute Statement, pursuant to section 623 is not present. This is a violation. 

Account Name and Type : XXXX - XXXX - ( Credit Card/Revolving ) Account Number : XXXX Reason/Error/Inaccuracy : Stop reporting this Account because the Date of Last Activity is inaccurate, you can not re-age this account. 

Account Name and Type : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Credit Card/Revolving ) Account Number : XXXX Reason/Error/Inaccuracy : Delete this Account because the Date of Last Activity is inaccurate, it reports three ( 3 ) different dates with Equifax, XXXX and XXXX. 

Account Name and Type : XXXX XXXX XXXX ( Other/Debt Buyer Account ) Account Number : XXXX Reason/Error/Inaccuracy : Delete this Account because the Date of Last Activity is inaccurate, it is a violation to re-age accounts. 

Account Name and Type : XXXX XXXX XXXX ( Other/Debt Buyer Account ) Account Number : XXXX Reason/Error/Inaccuracy : Delete this Account because the Date of Last Activity is inaccurate, it reports two ( 2 ) different dates and it is a violation to re-age accounts. 

Account Name and Type : XXXX XXXX XXXX ( Other/Debt Buyer Account ) Account Number : XXXX Reason/Error/Inaccuracy : Stop reporting this Account because the Date of Last Payment is inaccurate, it shows two ( 2 ) different dates with other bureaus. 

You have fifteen ( 15 ) days to reply to this request.

Company response to consumer: Closed with explanation