Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Credit Bureau, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report, Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX USC 168 11 ( 7 ).

Under Section 15 USC 168 11 ( 7 ). Credit Reporting Agencies are obligated to provide a description of the Investigation within 15 days of receiving a consumers dispute.

In accordance with the Fair Credit Reporting Act. The account that I am listing has violated my federally protected consumer rights to privacy and confidentiality Under USC 1681. 
I looked at my report back on XX/XX/year>, 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. 
1. Credit Score is not reflecting current credit information. Credit score is not accurate. Credit score is old and is negatively affecting my credit.

This inaccurate score reporting has violated my rights And one 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 that the information is inaccurate. B ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and the information is, in fact, inaccurate. 
15 U.S Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 US. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT, As a consumer I am demanding the deletion of the account listed IMMEDIATELY! 
Check the attachments to verify my identity and only correct address where mail may be delivered to me by US post office. 

XXXX : XXXX Without recourse

Company response to consumer: Closed with explanation