Consumer complaint received 2024-03-31
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. (NY)

MY COMPLAINT WITH XXXX ( PDFS ATTACHED ) : In a XX/XX/XXXX letter, I formally requested verification for 6 disputed accounts listed on my credit report. I observed inconsistencies and consequent inaccuracies across all credit bureaus regarding dates such as date opened, date last reported, and date last active ( refer to orange highlights on pages 2 through 7 ). 

Additionally, in a letter sent to XXXX via certified mail on XX/XX/XXXX, I noted the presence of 5 unauthorized hard inquiries [ out of 13 ] on my XXXX report ( see pages 8, 9, & 10 ). As of XX/XX/XXXX, I have not received a response from XXXX regarding this matter. 

XXXX responded by confirming that all accounts are verified as mine ( see pages 1 through 20 ), yet inconsistencies ( and thus inaccuracies ) persist across all 6 accounts among the credit bureaus, as indicated in a XX/XX/XXXX credit report ( see orange highlights on pages 21 through 26 ). 

MY COMPLAINT WITH XXXX ( PDFS ATTACHED ) In a XX/XX/XXXX letter, I requested verification for 6 disputed accounts on my credit report. I noted inconsistencies and therefore inaccuracies among all the credit bureaus regarding date opened, date last reported, and date last active ( see orange highlights on pages 2 through 7 ). 

XXXX replied by stating that all the accounts are verified as mine ( see XXXX Reply PDF ), but inconsistencies ( and therefore inaccuracies ) remain on all 6 accounts among the credit bureaus on a XX/XX/XXXX credit report ( see orange highlights on pages 1 through 6 of PDF XXXX Credit Report Outcome ). 

MY COMPLAINT WITH EQUIFAX ( PDFS ATTACHED ) In a XX/XX/XXXX letter, I formally requested verification for 6 disputed accounts listed on my credit report. I highlighted inconsistencies and resulting inaccuracies across all credit bureaus regarding dates such as date opened, date last reported, and date last active ( refer to orange highlights on pages 2 through 7 ). 

In response, Equifax sent a XX/XX/XXXX dated letter stating they were unable to locate my credit file and requested additional verification to be sent to two of their addresses ( see pages 1 & 2 ). I promptly provided the requested verification ( see pages 3, 4, & 5 ). However, Equifax replied again on XX/XX/XXXX and XX/XX/XXXX, indicating that the information provided did not match what they had on file ( see pages 6 through 9 ). 

Despite Equifax claiming to be unable to locate my credit file, Equifax took the unusual step of reporting my disputed accounts with XXXX XXXX XXXXXXXX, XXXX, and XXXX as " new accounts '' ( see circled items on pages 1, 2, 3, & 5 of Equifax Credit Report Outcome PDF ). Additionally, they changed the status of my XXXX account from " open '' to derogatory ( see pages 3 from 2-9 dispute PDF & page 3 of Equifax Credit Report Outcome PDF ). Since filing my dispute, my credit score with Equifax has dropped by approximately XXXX points ( see page 7 of Equifax Credit Report Outcome PDF ). 

It is very evident that Equifax has mishandled my dispute, and inaccuracies persist, if not worsened. 

LAST AND MOST IMPORTANTLY : In accordance with the Fair Credit Reporting Act, the 6 disputed accounts ( on XXXX, Equifax, and XXXX ) and the 5 unauthorized hard inquiries ( on XXXX ) violate my rights. 

15 USC 1681 section 602 a states that I have a rightto privacy ( and that credit reports must be accurate and fair ).

15 USC 1681 section 604a, section 2 states that a consumer reporting agency can not furnish an account without my written instructions.