Consumer complaint received 2024-04-22
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. (CA)

I sent an initial letter to XXXX to do a complete investigation of my credit report to ensure that everything on my credit file was correct. After the investigation your company implied that everything was accurate on my credit report. I disagreed with the decision because and I asked for a re-investigation. After the re- investigation your company confirmed again that the information reporting was accurate again, and it was not. At this point I followed my consumer laws and asked for verification methods of how you verified that these accounts were accurate, and I haven't received anything thus far. 

After carefully reading my consumer laws and the Fair Credit Act, I've noticed that some of my consumer rights have been violated. According to 15 U.S Code 1681 the consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. Also after reading my consumer laws, I've noticed that if a consumer agency is reporting inaccurate information on my consumer report that is a violation of my rights.15 U.S.C 1681 section 602 The following accounts on my credit report have been reporting inconsistent and inaccurate. 
1. XXXX with account number XXXX. This account was charged off on XXXX. Since then the date of last activity has been inconsistently updating. On Equifax the last active is XXXX, on XXXX its XXXX, and on XXXX its XXXX. If this information is coming from the original creditor, the dates should be the same. This is important because this reflects the date these accounts will fall off my credit report. I can not say this account is 100 % accurate because they all have a different date. The date opened is all reporting inconsistent Equifax and XXXX reporting XXXX, but XXXX is reporting XXXX. Again If this information is coming from the original creditor, the dates should be the same. Please Delete this account from my credit report immediately. 

2. XXXX XXXX with account number XXXX. The date of last activity has been inconsistently updating on this account. On XXXX it reports as XXXX, but reports on Equifax on XXXXThis is important because this reflects the date these accounts will fall off my credit report and affects my statute of limitation date on this account. How can you say this account is 100 % accurate because they all have a different date? The date opened is all reporting inconsistent Equifax as XXXX and on XXXX on XXXXXXXX Again If this information is coming from the original creditor, why aren't the dates the same. Please Delete this account from my credit report immediately. 

3. XXXX XXXX with account number XXXX. This account was charged off on XXXX. Since then the date of last activity has been inconsistently updating. On XXXX its XXXX, XXXX its XXXX, and on Equifax XXXX. The date opened is all reporting inconsistent Equifax and XXXX as XXXX, but XXXX it shows XXXX. Once again these dates should be consistent across all three bureaus and it is not, therefore, You can't say this account is 100 % accurate. Also if this account is charged off, I should not have a balance and a monthly payment. This will re-age my account which is illegal and affect my statute of limitation date, so please delete this account. 

4. XXXX XXXX account number XXXX. This account is reporting inconsistently and inaccurate on my credit report. The date of last activity has been inconsistently updating on this account. On XXXX it reports as XXXX, on XXXX XXXX but reports on Equifax on XXXX is important because this reflects the date these accounts will fall off my credit report and affects my statute of limitation date on this account. You can not say this account is 100 % accurate because they all have a different date. The date opened is all reporting inconsistent Equifax and XXXX XXXX, but on XXXX on XXXX. Again If this information is coming from the original creditor, why aren't the dates the same. Please Delete this account from my credit report immediately. 

5. XXXX XXXX with account number XXXXThis account is reporting inconsistently and inaccurate on my credit report. The date of last activity has been inconsistently updating on this account. On XXXX it reports as XXXX and on XXXX XXXXXXXX.This is important because this reflects the date these accounts will fall off my credit report and affects my statute of limitation date on this account. How can you say this account is 100 % accurate because they all have a different date. The date opened is all reporting inconsistent XXXX XXXX, but on XXXX on XXXX. Again If this information is coming from the original creditor, why aren't the dates the same. If this account was accurate the date should all be the same. Please Delete this account from my credit report immediately. 

XXXX. Onemain with account number XXXX This account is reporting inconsistently and inaccurate on my credit report. The date of last activity has been inconsistently updating on this account. On XXXX it reports as XXXX but on XXXX XXXX. This is important because this reflects the date these accounts will fall off my credit report and affects my statute of limitation date on this account. You can not say this account is 100 % accurate because they all have a different date. This account is not reporting accurately on my credit report and I demand you to delete it because this violates my consumer laws and rights.. The date opened is all reporting inconsistent XXXX XXXX, but on XXXX on XXXX. Again If this information is coming from the original creditor, why aren't the dates the same. Please Delete this account from my credit report immediately. 

I have attached a copy of the inconsistency of credit reporting.