Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, LA XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX 6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX CARD Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. Validate Inaccurate/Reported Late payment XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to paid as agreed 15. Validate Inaccurate/Reported Late payment XXXX  Account Number : XXXX Please remove inaccurate reported late payments. Update to paid as agreed 16. Validate Inaccurate/Reported Late payment XXXX  XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to paid as agreed 17. Identity Theft XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately. 
18. Validate Inaccurate/Reported Late payment XXXX XXXX  Account Number : XXXX Please remove inaccurate reported late payments. Update to paid as agreed 19. Identity Theft XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately. 
20. Identity Theft XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately. 
21. Identity Theft XXXX XXXX  XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately. 
22. Identity Theft XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 
23. Identity Theft XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately.

Company response to consumer: Closed with explanation