Consumer complaint received 2024-12-06 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:
I am writing to formally dispute several items on my credit report that I believe are inaccurate. Upon reviewing my XXXX credit report, I identified the following accounts that appear to be incorrect or are being reported inaccurately. I request that these items be investigated and removed from my credit file. 
Disputed Items : XXXX. XXXX XXXX * Account Number : XXXX * Reason for Dispute : Under FCRA Section 604, a credit report can only be accessed for permissible purposes, such as credit transactions, employment, or insurance underwriting, and unauthorized access constitutes a violation. Section 607 mandates that credit reporting agencies must maintain accurate information and implement reasonable procedures to prevent improper reporting, while Section 611 provides consumers the right to dispute inaccuracies or unverifiable information, requiring the credit bureaus to investigate and delete any unverified data within 30 days. If a credit report is accessed or reported improperly, consumers can dispute it, and if the information is inaccurate or not verified, it must be corrected or deleted. 

XXXX. XXXX DEPARTMENT OF EDUCATION ( Repeated 6 times ) * Account Number : XXXX * Reason for Dispute : The same account is listed 6 times on my credit report. These duplicates should be removed, and the accounts should be deleted due to an approved Total and Permanent XXXX ( TPD ) discharge. Please refer to the attached TPD discharge letter from the XXXX Department of Education. 
* Account # XXXX : XXXX * Account # XXXX : XXXX * Account # XXXX : XXXX * Account # XXXX : XXXX * Account # XXXX : XXXX * Account # XXXX : XXXX XXXX. SELF / XXXX CAPITAL XXXX * Account Number : XXXX * Reason for Dispute : Under FCRA XXXX XXXX, a credit report can only be accessed for permissible purposes, such as credit transactions, employment, or insurance underwriting, and unauthorized access constitutes a violation. Section XXXX mandates that credit reporting agencies must maintain accurate information and implement reasonable procedures to prevent improper reporting, while Section XXXX provides consumers the right to dispute inaccuracies or unverifiable information, requiring the credit bureaus to investigate and delete any unverified data within 30 days. If a credit report is accessed or reported improperly, consumers can dispute it, and if the information is inaccurate or not verified, it must be corrected or deleted. The account is being reported incorrectly and should be deleted. 

XXXX. XXXX * Account Number : XXXX * Reason for Dispute : Under FCRA XXXX XXXX, a credit report can only be accessed for permissible purposes, such as credit transactions, employment, or insurance underwriting, and unauthorized access constitutes a violation. Section XXXX mandates that credit reporting agencies must maintain accurate information and implement reasonable procedures to prevent improper reporting, while Section XXXX provides consumers the right to dispute inaccuracies or unverifiable information, requiring the credit bureaus to investigate and delete any unverified data within 30 days. If a credit report is accessed or reported improperly, consumers can dispute it, and if the information is inaccurate or not verified, it must be corrected or deleted. The account is being reported inaccurately and should be deleted. 

XXXX. OFFICE OF THE ATTORNEY GENERAL * Account Number : XXXX * Reason for Dispute : Under FCRA XXXX XXXX, a credit report can only be accessed for permissible purposes, such as credit transactions, employment, or insurance underwriting, and unauthorized access constitutes a violation. Section XXXX mandates that credit reporting agencies must maintain accurate information and implement reasonable procedures to prevent improper reporting, while Section XXXX provides consumers the right to dispute inaccuracies or unverifiable information, requiring the credit bureaus to investigate and delete any unverified data within 30 days. If a credit report is accessed or reported improperly, consumers can dispute it, and if the information is inaccurate or not verified, it must be corrected or deleted. The account is being reported inaccurately and should be deleted. 

XXXX. XXXX XXXX XXXX * Account Number : XXXX * Reason for Dispute : Under FCRA XXXX XXXX, a credit report can only be accessed for permissible purposes, such as credit transactions, employment, or insurance underwriting, and unauthorized access constitutes a violation. Section XXXX mandates that credit reporting agencies must maintain accurate information and implement reasonable procedures to prevent improper reporting, while Section XXXX provides consumers the right to dispute inaccuracies or unverifiable information, requiring the credit bureaus to investigate and delete any unverified data within 30 days. If a credit report is accessed or reported improperly, consumers can dispute it, and if the information is inaccurate or not verified, it must be corrected or deleted. The account is being reported inaccurately and should be deleted. 

XXXX. XXXX XXXX XXXX * Account Number : XXXX * Reason for Dispute : Under FCRA XXXX XXXX, a credit report can only be accessed for permissible purposes, such as credit transactions, employment, or insurance underwriting, and unauthorized access constitutes a violation. Section 607 mandates that credit reporting agencies must maintain accurate information and implement reasonable procedures to prevent improper reporting, while Section 611 provides consumers the right to dispute inaccuracies or unverifiable information, requiring the credit bureaus to investigate and delete any unverified data within 30 days. If a credit report is accessed or reported improperly, consumers can dispute it, and if the information is inaccurate or not verified, it must be corrected or deleted. The account is being reported inaccurately and should be deleted. 

XXXX. XXXX XXXX XXXX * Account Number : XXXX * Reason for Dispute : Under FCRA XXXX XXXX, a credit report can only be accessed for permissible purposes, such as credit transactions, employment, or insurance underwriting, and unauthorized access constitutes a violation. Section XXXX mandates that credit reporting agencies must maintain accurate information and implement reasonable procedures to prevent improper reporting, while Section 611 provides consumers the right to dispute inaccuracies or unverifiable information, requiring the credit bureaus to investigate and delete any unverified data within 30 days. If a credit report is accessed or reported improperly, consumers can dispute it, and if the information is inaccurate or not verified, it must be corrected or deleted. The account is being reported inaccurately and should be deleted. 

XXXX. XXXX XXXX XXXX * Account Number : XXXX * Reason for Dispute : Under FCRA XXXX XXXX, a credit report can only be accessed for permissible purposes, such as credit transactions, employment, or insurance underwriting, and unauthorized access constitutes a violation. Section 607 mandates that credit reporting agencies must maintain accurate information and implement reasonable procedures to prevent improper reporting, while Section 611 provides consumers the right to dispute inaccuracies or unverifiable information, requiring the credit bureaus to investigate and delete any unverified data within 30 days. If a credit report is accessed or reported improperly, consumers can dispute it, and if the information is inaccurate or not verified, it must be corrected or deleted. 

XXXX. XXXX XXXX XXXX ( Repeated 8 times ) * Account Number : XXXX * Reason for Dispute : The same account is listed 8 times on my credit report. These duplicates should be removed, and the accounts should be deleted due to an approved Total and Permanent XXXX ( TPD ) discharge. Please refer to the attached TPD discharge letter from the XXXX Department of Education. 
* Account # XXXX : XXXX * Account # XXXX : XXXX * Account # XXXX : XXXX * Account # XXXX : XXXX * Account # XXXX : XXXX * Account # XXXX : XXXX * Account # XXXX : XXXX * Account # XXXX : XXXX XXXX. XXXX XXXX XXXX * Account Number : XXXX * Reason for Dispute : Under FCRA Section 604, a credit report can only be accessed for permissible purposes, such as credit transactions, employment, or insurance underwriting, and unauthorized access constitutes a violation. Section 607 mandates that credit reporting agencies must maintain accurate information and implement reasonable procedures to prevent improper reporting, while Section 611 provides consumers the right to dispute inaccuracies or unverifiable information, requiring the credit bureaus to investigate and delete any unverified data within 30 days. If a credit report is accessed or reported improperly, consumers can dispute it, and if the information is inaccurate or not verified, it must be corrected or deleted. 

XXXX. XXXX XXXX AUTO FINANCE * Account Number : XXXX * Reason for Dispute : Under FCRA Section 604, a credit report can only be accessed for permissible purposes, such as credit transactions, employment, or insurance underwriting, and unauthorized access constitutes a violation. Section 607 mandates that credit reporting agencies must maintain accurate information and implement reasonable procedures to prevent improper reporting, while Section 611 provides consumers the right to dispute inaccuracies or unverifiable information, requiring the credit bureaus to investigate and delete any unverified data within 30 days. If a credit report is accessed or reported improperly, consumers can dispute it, and if the information is inaccurate or not verified, it must be corrected or deleted. 

XXXX. XXXX XXXXXXXX XXXX XXXX * Account Number : XXXX * Reason for Dispute : Under FCRA Section 604, a credit report can only be accessed for permissible purposes, such as credit transactions, employment, or insurance underwriting, and unauthorized access constitutes a violation. Section 607 mandates that credit reporting agencies must maintain accurate information and implement reasonable procedures to prevent improper reporting, while Section 611 provides consumers the right to dispute inaccuracies or unverifiable information, requiring the credit bureaus to investigate and delete any unverified data within 30 days. If a credit report is accessed or reported improperly, consumers can dispute it, and if the information is inaccurate or not verified, it must be corrected or deleted.

Company response to consumer: Closed with explanation