Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am writing to file this urgent complaint regarding numerous fraudulent accounts, inquiries, and discrepancies in reporting across XXXX, XXXX, and Equifax. This includes significant inaccuracies in account balances, open dates, and payment statuses resulting from identity theft. This is my third attempt to resolve these issues, and I have allowed more than the required 30 days for corrective action. However, I have not received validation or resolution. 

The discrepancies violate 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in consumer reports. Creditors have also failed to validate the debts under 15 U.S.C. 1692g and have not corrected errors or ceased reporting unverifiable information, violating 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1681c-2, I am entitled to the immediate removal and permanent blocking of fraudulent accounts upon providing proof of identity theft, which I have already submitted. 

Below are the details of fraudulent and inaccurately reported accounts, including discrepancies in open dates across bureaus : XXXXXXXX XXXX  Account Number : XXXX Account Type : Revolving Date Opened ( Discrepancy ) : XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Balance : {$9100.00} Payment Status : Collection/Chargeoff Comments : Charged off as bad debt ; Canceled by credit grantor. 
Violations : Failure to ensure accurate open dates across bureaus violates 15 U.S.C. 1681e ( b ).

Failure to validate debt violates 15 U.S.C. 1692g.

Continued reporting despite disputes violates 15 U.S.C. 1681s-2 ( a ) ( 1 ). 
XXXX XXXX Account Number : XXXX Account Type : Revolving Date Opened ( Discrepancy ) : XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Balance : {$21000.00} Payment Status : Collection/Chargeoff Comments : Charged off as bad debt ; Accounts closed by credit grantor. 
Violations : Discrepancy in open dates violates 15 U.S.C. 1681e ( b ).

Failure to validate debt violates 15 U.S.C. 1692g. 
Reporting unverifiable information violates 15 U.S.C. 1681s-2 ( a ). 
XXXX Account Number : XXXX Account Type : Open Account Date Opened ( Discrepancy ) : XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Balance : {$24000.00} Payment Status : Collection/Chargeoff Comments : Charged off as bad debt ; Dispute resolved, customer disagrees. 
Violations : Discrepancy in open dates violates 15 U.S.C. 1681e ( b ).

Continued reporting despite dispute resolution violates 15 U.S.C. 1681s-2 ( a ).

Failure to block fraudulent information within four days after submission of proof violates 15 U.S.C. 1681c-2.

Summary of Violations : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible
accuracy in consumer reports.

15 U.S.C. 1692g : Failure to validate debts and notify the consumer within five days of a debt being reported.

15 U.S.C. 1681s-2 ( a ) : Reporting unverifiable or disputed information.

15 U.S.C. 1681c-2 : Failure to block fraudulent accounts upon receiving proof of identity theft. 
I demand the immediate removal and permanent blocking of all fraudulent accounts and inquiries, as well as the correction of all inaccuracies in my credit reports. inaccuracies in my credit reports.

Company response to consumer: Closed with explanation