Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX submitted a dispute to Equifax Consumer Services LLC regarding a XXXX account ending in XXXX on XX/XX/2024, in which he appears to be an " authorized user '' according to records by the XXXXredit agency [ see attached ]. The so-called investigation resulted in the account " remaining '' and thus, no change to the report. Equifax Consumer Services LLC and XXXX XXXX. are in violation of FCRA Section 603 and for this reason XXXX XXXX would like to ask the Consumer Finance Protection Bureau to investigate Equifax and XXXX thoroughly. According to Section 603 of the FCRA, only information on credit issued to a consumer is allowed. If you are an authorized user, you do not fall under these categories, you are not responsible for the debt and did not receive credit. An authorized user doesnt have credit on this account and its only the signor that is responsible. So, in essence, if an account on which you are an authorized user shows up on your report, it would be someone elses credit ( the signor on the account ) - not the authorized user. As such, XXXX XXXX is not liable for this account and the creditor must remove it and/or the credit reporting agency must block the information from reporting as per FCRA procedures. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Legal procedures under Section 603 : FCRA Section 603 Definitions ; rules of construction [ 15 U.S.C . 1681a ] ( what credit lines can be reported ). 

( l ) Firm Offer of Credit or Insurance. The term firm offer of credit or insurance means any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report on the consumer, to meet the specific criteria used to select the consumer for the offer, except that the offer may be further conditioned on one or more of the following : The consumer being determined, based on information in the consumers application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established ( A ) before selection of the consumer for the offer; and ( B ) for the purpose of determining whether to extend credit or insurance pursuant to the offer. 

( 2 ) Verification. 

that the consumer continues to meet the specific criteria used to select the consumer for the offer, by using information in a consumer report on the consumer, information in the consumers application for the credit or insurance, or other information bearing on the credit worthiness or insurability of the consumer ; or of the information in the consumers application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. 

( 3 ) The consumer furnishing any collateral that is a requirement for the extension of the credit or insurance that was established before selection of the consumer for the offer of credit or insurance ; and disclosed to the consumer in the offer of credit or insurance.