Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

After reviewing my Equifax report on XXXX XXXX XXXX
In accordance with the fair credit reporting act. The list of accounts below has
violated my federally protected consumer rights to privacy and confidentially under
15 USC 1681. Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX
Original creditor - Company sold - Date opened XXXX XXXX XXXX  Open/closed Open
Status updated XXXX XXXX  Account type XXXX XXXX  Status Open/Never late.
Balance XXXX Balance updated XXXX XXXX XXXX Monthly payment XXXX  Last Payment
Date XXXX XXXX XXXX   Account info Account name XXXX XXXX XXXX  Account
number XXXX Original creditor - Company sold - Date opened XXXX XXXX XXXX
Open/closed Closed Status updated XXXX XXXX Account type XXXX XXXX XXXX
Account charged off. XXXX written off. XXXX  past due as of XXXX XXXX Balance
XXXX  Balance updated XXXX XXXX XXXX  Original balance XXXX  Last Payment Date
XXXX XXXX XXXX Past due amount XXXX  Account name XXXX XXXX XXXX  Account
number XXXX XXXXriginal creditor - Company sold - Date opened XXXX XXXX XXXX Open/closed Closed Status updated XXXX XXXX Account type Credit card
Status Account charged offXXXX XXXX written off. XXXX past due as of XXXX XXXX  Balance
XXXX  Balance updated XXXX XXXX XXXX Credit limit XXXX Monthly payment - Last
Payment Date XXXX XXXX XXXX  Past due amount XXXX Account name XXXX XXXX XXXX  Account number XXXX Original creditor - Company sold - Date opened XXXX XXXX XXXX  Open/closed Closed Status updated XXXX XXXX  Account type Note Loan Status
Account charged off. XXXX written off. XXXX past due as of XXXX XXXX Balance
XXXX Balance updated XXXX XXXX XXXX Original balance XXXX  Monthly payment - Last
Payment Date XXXX XXXX XXXX  Past due amount XXXX  Account name XXXX XXXX
Account number XXXX Original creditor - Company sold - Date
opened XXXX XXXX XXXX  Open/closed Closed Status updated XXXX XXXX  Account type
Utility Status Paid, Closed. XXXX  written off. Last Payment Date XXXX XXXX XXXX Account
name XXXX XXXX XXXX Account number XXXX  Original
creditor - Company sold XXXX XXXX XXXX XXXX  Date opened XXXX XXXX XXXX  Open/closed Closed Status updated XXXX XXXX Account type Secured Loan Status
Account charged off. XXXX written off. Balance XXXX  Balance updated XXXX XXXX XXXX  Original balance XXXX  Last Payment Date XXXX XXXX XXXX Account name XXXX XXXX XXXX  Account number XXXX Original creditor - Company
sold - Date opened XXXX XXXX XXXX Open/closed Closed Status updated XXXX XXXX  Account type Secured Loan Status Paid, Closed. Balance updated - Original balance
XXXX  Last Payment Date XXXX XXXX XXXX Account name XXXX XXXX XXXX Account
number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Company sold - Date opened XXXX XXXX XXXX  Status updated XXXX XXXX  Account type
Debt Buyer Status Collection account. XXXX  past due as of XXXX XXXX. Balance XXXX  Balance updated XXXX XXXX XXXX  Original balance XXXX  Account name XXXX XXXX XXXX Account number XXXX  Original creditor XXXX XXXX XXXX XXXX Company sold - Date opened XXXX XXXX XXXX  Status updated XXXX XXXX
Account type Debt Buyer Status Collection account. XXXX  past due as of XXXX XXXX
Balance XXXX  Balance updated XXXX XXXX XXXX  Original balance XXXX Past due amount
XXXXAccount name XXXX XXXX XXXX  Account number XXXX  Original creditor XXXX XXXX Company sold - Date opened XXXX XXXX XXXX  Status updated XXXX XXXX Account type Collection Status Collection account.
XXXX  past due as of XXXX XXXX Balance XXXX Balance updated XXXX XXXX XXXX Original
balance XXXX Monthly payment - Past due amount XXXX I looked at my XXXX  credit report on XXXX XXXX XXXX  and noticed some things are incomplete and not
accurate. According to the fair credit reporting act whenever a consumer reporting
agency prepares a consumer report it shall follow reasonable procedures to assure
maximum possible accuracy of the information concerning the individual about
whom the report relates according to 15 USC 1681(e)(b). Also according to 15 USC
1681i 5 they are suppose to do this (5) treatment of inaccurate or unverifiable
information: (a) In general, after any reinvestigation under paragraph (1) of any
information disputed by a consumer, an item of the information is found to be
inaccurate or incomplete or cannot be verified, the consumer reporting agency shall-
(1) promptly delete that item of information from the file of the consumer, or modify
that item of information, as appropriate, based on the results of the reinvestigation;
Also (ii)promptly notify the furnisher of that information that the information has been
modified or deleted from the file of the consumer. also according to 15 USC 1681s2they are suppose to 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.