Consumer complaint received 2024-02-13
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. (GA)

To Whom It May Concern, I am writing to bring to your attention a matter of utmost importance concerning a potential violation of the Fair Credit Reporting Act ( FCRA ), by these consumer reporting agencies. 

ACCOUNTS THAT ARE SUBJECT FOR REMOVALS : XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -> # XXXX This account has been REMOVED from XXXX & Equifax as of XX/XX/XXXX, and is no longer visible on my credit report. However, you still continue to furnish this invalid information. I demand that this account be DELETED immediately on my credit report. 


XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -> # XXXX On the Account Type - Detail : XXXX & XXXX XXXX XXXX XXXX but Equifax tagged it as Unknown-INACCURATE REPORT!!! 

On the Date Opened : XXXX shows 2nd week of XXXX, yet XXXX & Equifax 1st of XXXX-INACCURATE REPORT!!! 

On the Date Last Active : XXXX XXXX XXXX shows XXXX, but Equifax sais it's in XXXX-INACCURATE REPORT!!! 

On the Date of Last Payment : XXXX XXXX XXXX shows XXXX, however, Equifax says it's in XXXX.-INACCURATE REPORT!!! 

-INACCURATE REPORT!!! 


XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -> # XXXX This account has been REMOVED from XXXX as of XX/XX/XXXX, and is no longer visible on my credit report. However, you continue to furnish this invalid information. 
On the Account Type - Detail : XXXX shows XXXX XXXX but Equifax tagged it as XXXX-INACCURATE REPORT!!! 

On the Date Opened : XXXX shows 2nd week of XXXX, yet Equifax 1st of XXXX-INACCURATE REPORT!!! 

On the Date Last Active : XXXX shows 2nd week of XXXX, but Equifax shows 1st week in XXXX-INACCURATE REPORT!!! 

On the Date of Last Payment : XXXX shows XXXX, however, Equifax declares XXXX.-INACCURATE REPORT!!! 

-INACCURATE REPORT!!! 


XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- > # XXXX On the Account Type - Detail : XXXX & XXXX shows a XXXX XXXX but Equifax tagged it as XXXX-INACCURATE REPORT!!! 

On the Date Opened : XXXX shows 2nd week of XXXX, yet XXXX & Equifax were XXXX of XXXX-INACCURATE REPORT!!! 

On the Date Last Active : XXXX shows 2nd week of XXXX, XXXX on 1st week of XXXX while Equifax shows XXXX week of XXXX-INACCURATE REPORT!!! 

On the Date of Last Payment : XXXX XXXX XXXX shows XXXX, however, Equifax declares XXXX.-INACCURATE REPORT!!! 

-INACCURATE REPORT!!! 


XXXX ( XXXX XXXX LXXXX  ) -- -- -- -- -- -- -- -> # : XXXX -UNKNOWN ACCOUNT EXISTENCE. NO VALIDATION OF DEBT. 
-INACCURATE REPORT!!! 
XXXX XXXX ( XXXX XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- > # XXXX -UNKNOWN ACCOUNT EXISTENCE. NO VALIDATION OF DEBT. 
-INACCURATE REPORT!!! 

This only shows that the investigation they have conducted was ineffective, inefficient, and lacks proof and accuracy. They are clearly reporting information with actual knowledge of errors. As per my knowledge about the laws set by the Congress ; A person is not allowed to furnish any information about a consumer to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. 

A person is prohibited from furnishing information about a consumer to a consumer reporting agency if the person has been notified by the consumer, at the specified address for such notices, that specific information is inaccurate. 

These provisions are in place to ensure that accurate information is reported to consumer reporting agencies and to address inaccuracies promptly after notification by the consumer. If a violation of these provisions is suspected, it may be appropriate to seek legal advice or contact relevant authorities for resolution. 

I wish these inaccurate derogatory items will all be removed from my files. 

Sincerely, XXXX XXXX