Consumer complaint received 2024-03-04 00:00:00
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.
State: TX

Complaint narrative:
This is in fact XXXX XXXX XXXX disputing equifax ..Not a third party company I looked at my credit report back on XX/XX/XXXX and I noticed some things are incomplete, fraudulent and not accurate, And according to FCRA Fair Credit Reporting Act, Whenever a consumer reporting agency prepares a consumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These accounts and inquiries are not complete and not accurate 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. According to Cushman v Transunion POSSIBLE ACCURACY This account Violates these laws.15 USC 1681I 15 USC1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ). Delete account immediately XXXX ( account was transferred in good standing.. please remove account .. this mortgage was sold to another lender Account Number : XXXX Please remove it from my credit report. 

7. According to Cushman v Transunion 1997 your credit bureau is suppose to ensure MAXIMUM POSSIBLE ACCURACY This account Violates these laws.15 USC 1681I 15 USC1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ). Please remove all Late payments XXXX XXXX  Account Number : XXXX under 15 USC 1666B please remove Late payments immediately 8. According to Cushman v Transunion 1997 your credit bureau is suppose to ensure MAXIMUM POSSIBLE ACCURACY This account Violates these laws.15 USC 1681I 15 USC1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ). Please remove all Late payments XXXX XXXX  Account Number : XXXX under 15 USC 1666B please remove Late payments immediately 9. According to Cushman v Transunion 1997 equifax is suppose to ensure XXXX  XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY This account Violates these laws.15 USC 1681I 15 USC1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ). Delete account immediately XXXX Account Number : XXXX Delete account immediately 10. According to Cushman v Transunion 1997 your credit bureau is suppose to ensure MAXIMUM POSSIBLE ACCURACY This account Violates these laws.15 USC 1681I 15 USC1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ). Delete account immediately XXXX Account Number : XXXX This is not mine. 
XXXX  I sent a letter asking them to make sure everything is complete and accurate and hre is my tracking number : XXXX They sent me investigation back and said everything is complete and accurate but if you check my attachments, everything is not complete and accurate.

And according to 15 USC 1i 5 They are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, if, after any reinvestigation under paragraph 1 of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- -- ( B ) ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based of the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) description of reinvestigation procedure A consumer reporting agency shall provide to a consumer adescription referred to in paragraph ( 6 ) ( B ) iii ) by no later than 15 days after receiving a request from the consumer for that description.

!!!!!!! BUT THEY DID NOT DO THAT AS WELL EITHER!!!!!!!!!!

And according to 15 USC 1681s-2 they are suppose to NOT furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

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 know or has any reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation