Consumer complaint received 2024-09-24 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: VA

Complaint narrative:
Equifax has violated so many of my rights when it comes to credit reporting. I have DISPUTED WITH EQUIFAX ABOUT XXXX. They so called properly investigate which I know they do not because they update the same inaccurate information. I have disputed so many times letting them know the are reporting charge off monthly EACH MONTH! Charge offs are not reported monthly they are only reported ONCE. Equifax had violated my consumer rights so many times after updated disputes. I provided information and proof that XXXX  is reporting inaccurate and they still update the wrong information. Thats one reason they are violating my rights. Another one is FCRA 15 USC Code 1681B- PERMISSIBLE PURPOSE- Permissible purpose under this law they have to provide evidence WRITTEN instruction of me authorizing them to report to my credit. WHICH THEY DID NOT GET THAT INFORMATION. Another reason is 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). THEY HAVE NOT REPORTED ACCURATE INFORMATION AND I ALSO REQUESTED FOR THAT XXXX  ACCOUNT TO BE REMOVED BECAUSE OF REPORTING INACCURATE INFORMATION NUMEROUS TIMES. THE CHARGE OFF AND EACH TIME IT CHARGES OFF IT DRAGS THE LIMITATIONS OF THE DEBT. 15 USC 1681 SECTION 604 A SECTION 2- Stated a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B- A creditor may not not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Equifax has violated that right so many times. It is given off inaccurate information when I apply for things and cant apply for things because of the reporting. I AM tired of having to express and stretch the inaccuracy of this reporting and what I find and they lie and say they investigate properly which is not true because it would not be the same. It would have been removed as I requested ABOUT FIVE TIMES ALREADY. Below I will attach the proof of inaccuracy once again, followed by the showing of them stating its staying on my credit and they have updated and found it was accurate which is not thats how I know they are not investigating it, Equifax needs to do better when it comes to inaccurate reporting. They are still reporting informations that has been deleted only credit report from other bureaus this is actually the lowest score reporting because they are not updating like the other two bureaus. I will provide thats information below as well of how the charge offs are still reporting in 2024 and thats a one time thing! To show you its not just synchrony Equifax is not investigating correctly. I will list bellow the accounts this reporting balances..thats an inaccuracy and I disputed these account as well and cfpb complained as well because of the inaccuracy.

Company response to consumer: Closed with non-monetary relief