Consumer complaint received 2024-03-19 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: IL

Complaint narrative:
i did not receive a 5 day notification that this information ( XXXX XXXX XXXX ) will be reporting to my consumer profile ( Equifax ), also this information in fraud ( aggravated fraud ). XXXX  XXXX XXXX is reporting information without my consent and is only reporting to one reporting agency. Equifax has been informed on a few attempt to remove this info Equifax is violating 6 FCRA compliances. 

EVIDENCE IS ATTACHED BELOW IVE COMPLAINED TO XXXX ABOUT THE REINSERTION OF XXXX XXXX  XXXX ALSO THIS IS THE SECOND TIME DISPUTING THIS INFORMATION Section 607 - Compliance Procedures : This section outlines the responsibilities of consumer reporting agencies ( CRAs ) to ensure the accuracy and completeness of the information they collect and report. CRAs must establish and maintain reasonable procedures to ensure maximum possible accuracy and completeness of the information in consumer reports. 

Section 611 - Procedure in Case of Disputed Accuracy : This section outlines the process for consumers to dispute incomplete or inaccurate information on their credit reports. It requires CRAs to conduct a reasonable investigation of disputed information and correct or delete any information found to be incomplete or inaccurate within a specified timeframe. 

Section 612 - Charges for Certain Disclosures : This section specifies that consumers are entitled to one free copy of their credit report from each CRA every 12 months upon request. If a consumer disputes incomplete information and a corrected report is requested, the CRA must provide a free copy of the corrected report. 

Section 616 - Civil Liability for Willful Noncompliance : This section establishes civil liability for CRAs and furnishers of information for willful noncompliance with FCRA requirements, including the reporting of incomplete or inaccurate information. Consumers may be entitled to damages in cases of willful noncompliance. 

Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies : This section outlines the responsibilities of entities that furnish information to CRAs. Furnishers must provide complete and accurate information and conduct reasonable investigations when notified of disputed information by CRAs. 

Section 631 - Public Record Information for Employment Purposes : While primarily focused on consumer reports used for employment purposes, this section also emphasizes the importance of accurate and complete public record information in consumer reports. 

These provisions collectively ensure that consumers have the right to accurate and complete information in their consumer reports and establish procedures for disputing and correcting incomplete or inaccurate information. If you believe that incomplete information on your consumer report violates any of these FCRA provisions, you can take steps to dispute and correct the information with the relevant CRA.

Company response to consumer: Closed with explanation