Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

Equifax I disputed information on my consumer report several times and I just recently disputed the unverified and inaccurate information again and got my results back on XX/XX/XXXX and informed me that everything was verified as accurate. However, the information is not verified or accurate. You have violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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. Equifax did not conduct a reasonable investigation. In addition you have violated ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). I contacted the data furnishers/ creditors and they never received a dispute from Equifax about the unverified and inaccurate information. Equifax has violated 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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. Equifax didnt follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates because my consumer report still has unverified and inaccurate information reporting. Equifax violated 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates I never gave Equifax written instructions to furnish the unverified and inaccurate information on my consumer report.

Equifax also violated this part of the 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 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 why didnt Equifax follow this law because its a fact clear and evident that this information is unverifiable and inaccurate. The following information is still unverified and inaccurate XXXX XXXX  XXXX XXXX you said this information was versified as accurate but the charge off date is inaccurate you have it as XX/XX/XXXX but the accurate charge off date is XX/XX/XXXX. The date opened is inaccurate you have it as XX/XX/XXXX but the accurate date is XX/XX/XXXX. This account violates the entire section of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
XXXX XXXX  XXXX XXXX you said this information was versified as accurate but the charge off date is inaccurate you have it as XX/XX/XXXX but the accurate charge off date is XX/XX/XXXX. The date opened is inaccurate you have it as XX/XX/XXXX but the accurate date is XX/XX/XXXX. This account violates the entire section of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
XXXX XXXX XXXX you said this information was versified as accurate but the charge off date is inaccurate you have it as XX/XX/XXXX but the accurate charge off date is XX/XX/XXXX. The date opened is inaccurate you have it as XX/XX/XXXX but the accurate date is XX/XX/XXXX. This account violates the entire section of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
XXXX XXXX XXXX XXXX you said this information was versified as accurate but the charge off date is inaccurate you have it as XX/XX/XXXX but the accurate charge off date is XX/XX/XXXX. The date opened is inaccurate you have it as XXXX XXXX but the accurate date is XX/XX/XXXX. This account violates the entire section of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
XXXX XXXX XXXX you said this information was versified as accurate but the charge off date is inaccurate you have it as XX/XX/XXXX but the accurate charge off date is XX/XX/XXXX. The date opened is inaccurate you have it as XXXX XXXX but the accurate date is XX/XX/XXXX. This account violates the entire section of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
XXXX XXXX XXXX you said this information was versified as accurate but the charge off date is inaccurate you have it as XX/XX/XXXX but the accurate charge off date is XX/XX/XXXX. The date opened is inaccurate you have it as XXXX XXXX but the accurate date is XX/XX/XXXX. This account violates the entire section of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

All this unverifiable and inaccurate information is a violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumerto any consumer reporting agencyif the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.