Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
a disputed account with BMW Financial, which has been reported on my credit report by XXXX. I have disputed this account multiple times, but both BMW Financial and XXXX have failed to provide sufficient evidence proving that this account belongs to me. The information provided has been repeatedly verified as accurate without any supporting documentation or proper investigation into the validity of the account. 

Despite my repeated disputes, both parties have failed to provide clear, certified proof that the account in question belongs to me. I believe this account is not being thoroughly or properly investigated, and the process has been a sham without any genuine attempt to verify the accuracy of this information. I am requesting your assistance to ensure my consumer rights are upheld and that both BMW Financial and XXXX comply with the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, I have the right to dispute inaccurate information on my credit report, and the credit reporting agencies, including XXXX, must investigate the dispute and correct any inaccuracies within a reasonable time frame. Specifically, I am concerned about the following violations : 1. Failure to Provide Certified Proof of the Investigation ( FCRA 1681i ( a ) ( 1 ) ( A ) ) : Both BMW XXXX and XXXX have failed to provide me with any certified proof of their investigation into this disputed account. Section 1681i ( a ) ( 1 ) ( A ) of the FCRA requires that when a consumer disputes information on their credit report, the credit reporting agency must conduct a reasonable investigation and provide verification of the disputed information. I have not received any credible documentation or evidence confirming that this account belongs to me.

2. Failure to Provide Evidence of the Account ( FCRA 1681i ( a ) ( 4 ) ) : Under FCRA 1681i ( a ) ( 4 ), when an item is disputed and the information is verified, the credit reporting agency must provide the consumer with the name, address, and phone number of the information provider. Neither BMW Financial nor XXXX has provided me with any of this information or the necessary documents to substantiate the claim that this account belongs to me. 

3. Re-Reporting of Information Without Proper Investigation ( FCRA 1681i ( a ) ( 5 ) ) : FCRA 1681i ( a ) ( 5 ) stipulates that if information is found to be inaccurate or incomplete, the information must be corrected or deleted from the consumers credit report. However, despite my disputes, this account continues to appear as verified without any legitimate supporting documents. I believe that the re-reporting of this account without a proper investigation constitutes a violation of my rights under the FCRA. 

4. Failure to Notify Me of Results of the Investigation ( FCRA 1681i ( a ) ( 6 ) ) : The FCRA also mandates that the credit reporting agency must notify the consumer within five business days of the results of the investigation. I have not received any detailed or satisfactory explanation regarding the outcome of the investigation or any evidence showing that the account is mine.

5. Failure to Provide Instruments or Evidence Used to Verify the Account ( FCRA 1681g ) : Under the FCRA, I have the right to request and receive the instruments or documentation that were used to verify any account listed on my credit report ( FCRA 1681g ). Neither BMW Financial nor XXXX has provided me with this information, which prevents me from fully understanding how this account was verified and why it is still being reported.

Company response to consumer: Closed with explanation