Consumer complaint received 2024-02-15
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. (MD)

I am in the process of trying to purchase a home for myself and my family. The inaccurate information listed below on my consumer report prevents me from doing so. 

Please delete the following misreporting or not proven compliant, alleged information found on my credit report which I believe to violate TILA Section 1026.6 and FCRA623. It has come to my attention that the following disclosures are inaccurate and misleading : My Personal Information below should only be reflected on my consumer Report : Anything other than whats provided should be deleted : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN # XXXX XXXX Employer : XXXX XXXX XXXXXXXX According to 15 USC 1681s 2A A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate and I demand to have the following inaccurate information deleted from my consumer report. 
Inaccurate Accounts : - XXXX Account # XXXX This account is inaccurate and I'm seeking litigation please delete this account immediately because of the violation of 15 USC 1681s ( a ) & ( b ), and 15 USC 1681e ( b ) as this account violates FCRA623 for illegal re-aging and reporting incomplete inaccurate information. ( Date last reported and Date last active are inaccurate ) I am seeking litigation and this account should be deleted immediately - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) - Account # XXXX - This account is inaccurate and I'm seeking litigation please delete this account immediately because of violation of 15 USC 1681s ( a ) & ( b ), and 15 USC 1681e ( b ) - XXXX XXXX XXXX Account # XXXX - This account is inaccurate and I'm seeking litigation please delete this account immediately because of violation of 15 USC 1681s ( a ) & ( b ), and 15 USC 1681e ( b ) as this account violates FCRA623 for illegal re-aging and reporting incomplete inaccurate information. ( Date last reported and Date last active are inaccurate ) I am seeking litigation and this account should be deleted immediately - XXXX XXXX  Account # XXXX This account is inaccurate and I'm seeking litigation please delete this account immediately because of violation of 15 USC 1681s ( a ) & ( b ), and 15 USC 1681e ( b ) as this account violates FCRA623 for illegal re-aging and reporting incomplete inaccurate information. ( Date last reported and Date last active are inaccurate ) I am seeking litigation and this account should be deleted immediately - XXXX - Account # XXXX This account is inaccurate and I'm seeking litigation please delete this account immediately because of violation of 15 USC 1681s ( a ) & ( b ), and 15 USC 1681e ( b ) as this account violates FCRA623 for illegal re-aging and reporting incomplete inaccurate information. ( Date last reported and Date last active are inaccurate ) I am seeking litigation and this account should be deleted immediately - XXXX XXXX XXXX -Account # XXXX - This account is inaccurate and I'm seeking litigation please delete this account immediately because of violation of 15 USC 1681s ( a ) & ( b ), and 15 USC 1681e ( b ) as this account violates FCRA623 for illegal re-aging and reporting incomplete inaccurate information. ( Date last reported and Date last active are inaccurate ) I am seeking litigation and this account should be deleted immediately - Unauthorized Inquiries : According to 15 USC 1681s 2A A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate and I demand to have the following inaccurate information deleted from my consumer report. These Inquiries have no permissible purpose on my consumer report. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies are not only misleading but also a violation of my rights as a consumer under TILA Section 1026.6, FCRA 623 which mandates that disclosures must be clear, accurate, and in compliance with federal regulations I request that you promptly delete these inaccuracies or remove this account from my credit file in accordance with TILA regulations and provide me with updated documentation reflecting the accurate terms of the credit agreement. Failure to address this matter within the legally prescribed timeframe may result in further legal action to protect my rights. I demand that these inaccuracies be deleted from my consumer report. 
Please provide the following information : Revised and accurate disclosure statements. An explanation of how the inaccuracies occurred and were identified. Proof of compliance with TILA Section 1026.6 requirements. I anticipate your timely response and a satisfactory resolution to this dispute. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.