Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am respectfully requesting a petition for review in Georgia state court, because there was a legal mistake made in my case. The judge stated my case with Equifax was dismissed and he agreed with my claim and Equifax claim. On the contrast Equifax, failed to perform an investigation on the inaccurate, unverifiable accounts reporting on my credit profile. Equifax failed to do a proper investigation under 1681 ( a ) ( e ) which states Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Equifax did not show the courts evidence of a personal interviews with neighbors, friends, or associates of the consumer reported. Equifax brought no evidence to court showing they validated the inaccurate accounts on my credit profile. Equifax never provided a scope of the investigation15 U.S. Code 1681d ( b ) which states Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. Equifax was dishonest under oath and stated they never received my disputes to get the scope of the investigation, but I have certified mail return receipts showing that Equifax signed for my notarized disputes. Furthermore, Equifax stated they have no control over furnishing information, but in the FCRA Section 602 ( b ) states Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies 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 title. Equifax is suppose to make sure the information on my credit report is accurate, fair and complete before reporting the information. Equifax failed to do so. I am requesting that these laws be upheld in State Court. Under 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) ( a ) ( i ) states ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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 ;