Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to file a formal complaint against the credit bureaus for their failure to investigate consumer complaints in accordance with the guidelines established by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my repeated attempts to address inaccuracies in my credit report, the credit bureaus have neglected to take appropriate action, thereby violating my federally protected consumer rights to privacy and confidentiality as outlined in 15 U.S.C 1681c. 
Specifically, I would like to draw attention to the following violations : 15 U.S.C 1681c. ( a ) ( 5 ) Section : This section explicitly prohibits consumer reporting agencies from including adverse items of information in consumer reports if such information exceeds seven years from the date of the report. Despite this provision, the credit bureaus have included outdated adverse information in my credit report, which is in direct violation of the FCRA. 
15 U.S.C 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS : Under this provision, individuals are entitled to privacy, and consumer reporting agencies are obligated to ensure the accuracy of the information they report. However, the credit bureaus have failed to follow reasonable procedures to assure maximum possible accuracy, thereby jeopardizing my privacy and contributing to the dissemination of inaccurate information. 
15 USC 1681s-2 : This provision prohibits the furnishing of inaccurate information to consumer reporting agencies. Despite this prohibition, the credit bureaus continue to report inaccurate information, indicating a blatant disregard for their legal obligations and consumer rights. 

The list of accounts on my credit report contains numerous inaccuracies and adverse items of information that are in direct violation of the FCRA and FDCPA. Despite multiple attempts to dispute these inaccuracies and request investigations, the credit bureaus have failed to take appropriate action, thereby exacerbating the harm caused to my creditworthiness and financial well-being. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account Number : XXXX, account name XXXX Account Number : XXXX, account name XXXX Account Number : XXXX, account name XXXX Account Number : XXXX, account name XXXX XXXXXXXX Account Number : XXXX, Account name XXXX  XXXX Account Number : XXXX, Account name XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account name XXXX XXXX  Account Number : XXXX, Account name XXXX XXXX XXXX Account Number : XXXX, account name XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, Account name XXXX XXXX Account Number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. and according to 15 USC 1681 ( e ) ( b ) they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the consumer report the individual about. whom the report relates. 

5 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


XXXX. The late payment status is reporting in accurately in comparison to the other bureaus. XXXX XXXX Account Number : XXXX Please update to paying to agreed. 
XXXX. The payment status on this account is reporting inaccurately in comparison to the other credit bureaus XXXX Account Number : XXXX Please update the payment status to paying as agreed XXXX. The Late payment status is incorrect in comparison to the other bureaus XXXX Account Number : XXXX Please update the late payment status to pays as agreed XXXX. The late payment status is reporting in accurately in comparison to the other bureaus. XXXX Account Number : XXXX Please update the late payment status to pays as agreed XXXX. The late payment status is reporting in accurately in comparison to the other bureaus. XXXX XXXX Account Number : XXXX Please update the late payment status to pays as agreed XXXX. The Late payment status is incorrect in comparison to the other bureaus XXXX  XXXX Account Number : XXXX Please update the late payment status to pays as agreed XXXX. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. The Late payment status is incorrect in comparison to the other bureaus XXXX XXXX  Account Number : XXXX Please update the late payment status to pays as agreed XXXX. The late payment status is reporting inaccurately in comparison to the other bureaus. XXXX XXXXXXXX XXXX Account Number : XXXX Please update the late payment status to pays as agreed XXXX. The comment section is reporting inaccurately in comparison to the other bureaus. XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. The Late payment status is incorrect in comparison to the other bureaus XXXX XXXX Account Number : XXXX Please update the late payment status to pays as agreed These records, are not complete and accurate. 

And XXXX more thing according to 15 USC 1681s-2 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 in the information is inaccurate. 

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and INACCURATE XXXX. The late payment status is reporting in accurately in comparison to the other bureaus. XXXX XXXX Account Number : XXXX Please update to paying to agreed. 
XXXX. The payment status on this account is reporting inaccurately in comparison to the other credit bureaus XXXX  Account Number : XXXX Please update the payment status to paying as agreed XXXX. The late payment status is reporting in accurately in comparison to the other bureaus. XXXX XXXX Account Number : XXXX Please update the late payment status to pays as agreed XXXX. The following information is outdated. I would like it removed from my XXXX XXXX report XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. The Late payment status is incorrect in comparison to the other bureaus XXXX XXXX  Account Number : XXXX Please update the late payment status to pays as agreed XXXX. The late payment status is reporting in accurately in comparison to the other bureaus. XXXX XXXX XXXX  Account Number : XXXX Please update the late payment status to pays as agreed XXXX. The comment section is reporting in accurately in comparison to the other bureaus. XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. The Late payment status is incorrect in comparison to the other bureaus XXXX XXXX Account Number : XXXX Please update the late payment status to pays as agreed XXXX. The payment status on this account is reporting inaccurately in comparison to the other credit bureaus XXXX Account Number : XXXX Please update to paying as agreed XXXX. The late payment status is reporting in accurately in comparison to the other bureaus. XXXX XXXX  Account Number : XXXX Please update the late payment status to pays as agreed, are not complete and accurate. 


I sent a letter again on XX/XX/XXXX asking them to make sure everything is complete and accurate and here is my tracking numbers equifax Certified mail Mailed on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX equifax Certified mail Mailed on XXXX XXXX, XXXX XXXX XXXX : XXXX equifax Certified mail Mailed on XXXX. XXXX, XXXX USPS Tracking Number XXXX The following accounts are still listed and are inaccurate and incomplete XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX & Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 
XXXX. Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXXXXXX Account Number : XXXX The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! I need the transactions reported as a late payment/payment status or both deleted or updated to paid as agrees on my consumer reports effective immediately. 
XXXX. Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX Account Number : XXXX The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! I need the transactions reported as a late payment/payment status or both deleted or updated to paid as agrees on my consumer reports effective immediately. 
XXXX. Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s3 of this title any ( i ) rep XXXX XXXX Account Number : XXXX The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! I need the transactions reported as a late payment/payment status or both deleted or updated to paid as agrees on my consumer reports effective immediately. 
XXXX. Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX Account Number : XXXX The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! I need the transactions reported as a late payment/payment status or both deleted or updated to paid as agrees on my consumer reports effective immediately. 
XXXX. Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX Account Number : XXXX The reporting of excluded information pursuant XXXX5 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! I need the transactions reported as a late payment/payment status or both deleted or updated to paid as agrees on my consumer reports effective immediately. 
XXXXYour company is in violation of the FCRA and Metro2 Compliance and reporting violation.15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX Account Number : XXXX The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! I need the transactions reported as a late payment/payment status or both deleted or updated to paid as agrees on my consumer reports effective immediately. 
XXXX. Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX  Account Number : XXXX The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! I need the transactions reported as a late payment/payment status or both deleted or updated to paid as agrees on my consumer reports effective immediately. 
XXXX. Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX Account Number : XXXX The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! I need the transactions reported as a late payment/payment status or both deleted or updated to paid as agrees on my consumer reports effective immediately. 

They never responded to any of my disputes of inaccurate reporting on their behalf. Again if you check my attachments everything is not complete and accurate. And i have in fact contacted them several times about this matter. 
I respectfully request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate enforcement action against the credit bureaus for their blatant violations of federal law. Additionally, I urge the CFPB to ensure that the credit bureaus promptly rectify the inaccuracies on my credit report and implement measures to prevent similar violations from occurring in the future.

Company response to consumer: Closed with non-monetary relief