Consumer complaint received 2024-01-20 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: GA

Complaint narrative:
XXXX EQUIFAX and XXXX are reporting a account by the name of XXXX XXXX XXXX in which the information being reported is inaccurate XXXX shows that this account is still open while XXXX is showing this account in collections this is a violation of 15usc 1681b reasonable procedures it is required by all consumer reporting agencies to report information which is fair and equitable to me the consumer in regards to accuracy and confidentiality the dates the accounts were last active also does not match as well XXXX shows the date as XX/XX/XXXX and XXXX shows XX/XX/XXXX this is a violation of 15usc 1681b reasonable procedures it is required by all consumer reporting agencies to report information which is fair and equitable to me the consumer in regards to accuracy and confidentiality. XXXX XXXX XXXX is also a third party debt collector that I do not have any contracts with and this account should not be reporting on my consumer report these are apparent unfair and deceptive debt collections practices if there is no proof of contract meaning a contract between me the consumer and XXXX XXXX XXXX with my wet ink signature on it this account should be removed. Furthermore XXXX EQUIFAX and XXXX are also reporting and account from a company by the name of XXXX this account was charged off a charge off is considered a certificate of indebtedness which means it is income income is non public information and that non public information being reported on my report is a violation of my privacy rights under the privacy act of 1974. Furthermore XXXX XXXX and EQUIFAX are reporting an account from XXXX  XXXX in which the dates the account was last active are being reported inaccurately XXXX shows the dates last active as XX/XX/XXXX while XXXX shows the date as XX/XX/XXXX and EQUIFAX shows the date as XX/XX/XXXX this is a violation of 15usc 1681b reasonable procedures it is required by all consumer reporting agencies to report information which is fair and equitable to me the consumer in regards to accuracy and confidentiality. Furthermore XXXX XXXX and EQUIFAX are also reporting a account from XXXX the balance on the account is being reported inaccurately XXXX SHOWS THE ACCOUNT AS XXXX while XXXX and EQUIFAX shows the account as XXXX the credit limit is also inaccurate XXXX and EQUIFAX show XXXX XXXX credit limit while XXXX doesnt show anything this is a violation of 15 usc 1681b XXXX also shows the account as 150 days past due while XXXX shows XXXX and EQUIFAX shows a statement saying it is 120 or more dates this is another violation of 15 usc 1681b the account was last active are also inaccurate as well XXXX shows it was last active XX/XX/XXXX and XXXX and EQUIFAX shows XX/XX/XXXX this is another violation of 15 usc 1681b. FURTHERMORE XXXX XXXX and EQUIFAX are also reporting and account from XXXX XXXX XXXX  which is a third party debt collector that I have no contracts with I do not owe them any debt I demand that they provide proof of any contract I have with them with my signature on it if they can not provide this proof of contract then it must be removed the dates this account was last active are also inaccurate XXXX shows XX/XX/XXXX while XXXX and EQUIFAX both show XX/XX/XXXX this is a violation of 15usc 1681b reasonable procedures it is required by all consumer reporting agencies to report information which is fair and equitable to me the consumer in regards to accuracy and confidentiality XXXX XXXX EQUIFAX and the other corporations involved have damaged my livelihood and have been unfair and deceptive towards me the consumer

Company response to consumer: Closed with explanation