Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am writing in response to the recent findings communicated by Equifax regarding my complaint submitted. While I appreciate their investigation, I must strongly disagree with the conclusions drawn and reiterate that several inaccuracies remain unresolved on my credit report. Legal Basis for Disputing Inaccuracies Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute inaccurate or incomplete information on my credit report. Additionally, 15 U.S.C. 1681b restricts the sharing of my information without my consent. As such, I expect these rights to be upheld in accordance with federal law. Further, relevant Ohio Revised Code ( ORC ) provisions include : ORC 1345.01 - Ohio Consumer Sales Practices Act : This law prohibits unfair or deceptive acts in connection with the sale of goods or services. The reporting of inaccurate information on my credit report can be considered an unfair trade practice. ORC 1345.02 - Unfair or Deceptive Acts or Practices : The Ohio Attorney General has the authority to enforce this provision, which also protects consumers from false representations that may affect their creditworthiness. Disputed Items XXXX XXXX XXXX XXXX : The account continues to show as charged off with a balance due I am unaware of. I demand immediate correction under FCRA 611 ( a ), which requires that inaccurate information be corrected or deleted upon investigation. in this specific case this item should be deleted. XXXX XXXX : Although Equifax states this item is not currently reporting, I assert that the negative information associated with this account has not been removed as promised under the alleged " pay to delete '' agreement, violating FCRA 607. XXXX XXXX : Equifax indicates this account is not currently reporting, but it remains visible on other credit reports under different names like XXXX etc. I dispute its validity and request verification of this account 's reporting. XXXX XXXX XXXX : I dispute this collection account as I maintain that I never provided consent for this to be reported. Under FCRA 611 ( a ), I request proof of the debt and its legitimacy. Inquiries : The inquiries from XXXX and XXXX XXXX XXXX XXXX are unauthorized and result from identity theft. Under FCRA 605B, I demand their immediate removal. Ohio Department of Human Services : A new entry has appeared on my credit report related to this agency. I request immediate clarification regarding this entry and its legitimacy. Department of EducationXXXX XXXX : New accounts reported from the Department of Education and XXXX are disputed. I assert that I did not consent to their inclusion on my credit report. Verification is required under FCRA 609. Request for Action Given the ongoing inaccuracies and the significant impact they have on my credit profile, I request that the CFPB facilitate a more thorough investigation into these matters to have them deleted. I urge the CFPB to ensure my rights under the FCRA and Ohio Revised Code are upheld, requiring that all inaccuracies be corrected or deleted. I am prepared to escalate this matter to legal proceedings if necessary, as the failure to resolve these inaccuracies has been causing significant harm to my credit profile, impacting my ability to secure housing and necessary services. Thank you for your attention to this matter. I look forward to your prompt response regarding my request for further assistance.