Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX DEAR CFPB : 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code Notes prev | next ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I HAVE SENT LETTERS OF DISPUTE ON THE FOLLOWING DATES : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AND NOTHING HAS BEEN DONE, SO I RESORT TO YOU FOR ASSISTANCE VIOLATIONS AND UNDELETED INACCURACIES AS FOLLOWS EQUIFAX REPORTED IN VIOLATION OF 1681EB, 1681 s-2, 1681 i5 MY LEGAL NAME IS XXXX XXXX XXXX EQUIFAX HAS IT AS ALSO KNOWN AS is inaccurate. INACCURATE ALIASES BEING REPORTED IN VIOLATION OF 1681EB, 1681 s-2, 1681 i5 Which EQUIFAX will not remove : Offense # 1- NAME : XXXX XXXX REMOVE XXXX IMMEDIATELY The above name is inaccurate per 1681s-2 I have already reported it several times to EQUIFAX, and they refuse to remove the alias which is not my name and is creating damage to my reputation and to my character and is a reason for the inability to obtain good credit offers and consumer interests are high because I am perhaps sharing a fraudulent name with another person who has worse credit. I need this removed and corrected. 
INACCURATE INFORMATION BEING REPORTED IN VIOLATION OF 1681EB, 1681 s-2, 1681 i5 EMPLOYER INFORMATION INACCURATE BEING REPORTED IN VIOLATION OF 1681EB, 1681 s-2, 1681 i5 IN VIOLATION OF MY RIGHTS & EXPECTANCY OF PRIVACY I do not know who this EMPLOYER is and it can be identify fraud, I need it removed. 

EMPLOYER NAMES NOT REMOVED AND NOT RELATED TO ME XXXX XXXX XXXX XXXX XXXX I DO NOT KNOW THESE ENTITIES. I AM NOT EMPLOYED AT THESE ENTITIES. 
I need these businesses deleted immediately and have requested they be removed The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS Account name : XXXX XXXX Account # XXXX **** {$3200.00} HIGH BALANCE {$51000.00} CHARGED OFF / SENT TO TWO DIFFERENT COLLECTION COMPANIES I have not gotten any form of validation for this alleged debt. 
I have not gotten any 1099-C from anyone at EQUIFAX or this entity. 

Account name : XXXX XXXX  Acct # : XXXX {$37.00} CHARGED OFF/ I was not contacted by this creditor regarding this alleged debt. 
I have not gotten any form of validation for this alleged debt. 
I have not gotten any 1099-C from anyone at EQUIFAX or this entity. 

Account Name : XXXX XXXX Account # XXXX $ Unknown CHARGED OFF/ I do not know this creditor ; I was not contacted by this creditor regarding this alleged debt. 

Account Name : XXXX XXXX Account XXXX XXXXXXXX SHOWING creditor remarks : account in dispute/this is not accurate. Delete. 
I have not gotten any form of validation for this alleged debt. 
I have not gotten any 1099-C from anyone at EQUIFAX or this entity.

15 U.S. Code 1666b 15 U.S. Code 1666b - Timing of payments U.S. Code ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Inquiries INACCURATE INQUIRIES WERE NOT REMOVED PER MY REQUEST AND THEY DO NOT HAVE WRITTEN CONSENT NOR PERMISSIBLE PURPOSE TO BE XXXX XXXX XXXX XXXX XXXX  Equifax INACCURATE INQUIRIES WERE NOT REMOVED PER MY REQUEST AND THEY DO NOT HAVE WRITTEN CONSENT NOR PERMISSIBLE PURPOSE TO BE REPORTED 15USE1681b permissible purpose : I looked at my EQUIFAX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And 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 ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they 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. I believe this information is inaccurate AND SHOULD BE REMOVED.

EQUIFAX AND THE ABOVE CREDITORS I believe has violated my rights. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I want CFPB to require that consumer reporting agent EQUIFAX pay MONETARY DAMAGES of {$1000.00} per each violation they caused to me and to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
The poor reporting and malicious negligence of EQUIFAX has caused damage to my Livelihood, damage to my way of life and has been detrimental when applying for consumer products and the other party sees me poorly when evaluating the credit worthiness, credit standing, credit capacity, has caused damage to my character, and damaged my general reputation and is a disrespect for this consumers right to privacy. I have been communicating with EQUIFAX SINCE XXXX and nothing has been done to correct these Federal Violations by EQUIFAX.