Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am inquiring to understand the Description or Method of verification you have used to complete your reinvestigation as I am in disagreement with the Completeness and Accuracy of the accounts on my credit report. You have a duty to provide me with this description of your reinvestigation within 15 days of receiving this letter. If you can not provide this to me then I demand these accounts be removed immediately or I will have to take legal action. 
The following accounts below I need the method of verification for : 1. XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX. I never gave this creditor my written consent to run my credit ; therefore, it is fraudulent, violating permissible purposes, and needs to be removed. 
2. XXXX Date of inquiry : XX/XX/XXXX. I never gave this creditor my written consent to run my credit ; therefore, it is fraudulent, violating permissible purposes, and needs to be removed. 
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX. I never gave this creditor my written consent to run my credit ; therefore, it is fraudulent, violating permissible purposes, and needs to be removed. 
XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX. I never gave this creditor my written consent to run my credit ; therefore, it is fraudulent, violating permissible purposes, and needs to be removed. 
XXXX. XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX. I never gave this creditor my written consent to run my credit ; therefore, it is fraudulent, violating permissible purposes, and needs to be removed. 
XXXX. XXXX Account Number : XXXX. Violation of section 807 15 usc 1692e false or misleading representations. Why is there a past due on a collection? Collections are not supposed to be reporting a past due because they are past due in the first place. This collection doesn't have the date of the first delinquency. Why is that? Make my account accurate and complete or delete the account. 
XXXX. XXXXXXXX XXXX Account Number : XXXX. Violation of 15 usc 1681s-2 ( a ) ( 3 ) failure to provide the notice on account after re-investigation. A person is not allowed to furnish information without notice that it has been disputed. Make my account accurate and complete or delete the account. 
XXXX. XXXX XXXX XXXX Account Number : XXXX. Violation of 15 usc 1681s-2 ( a ) ( 3 ) failure to provide the notice on account after re-investigation. A person is not allowed to furnish information without notice that it has been disputed. Make my account accurate and complete or delete the account. 
XXXX. XXXX Date of inquiry : XX/XX/XXXX. I never gave this creditor my written consent to run my credit ; therefore, it is fraudulent, violating permissible purposes, and needs to be removed. 
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX. I never gave this creditor my written consent to run my credit ; therefore, it is fraudulent, violating permissible purposes, and needs to be removed. 
Please provide me with the following : XXXX. Proof that you sent the notice of dispute to every furnisher in question within 5 business days upon arrival XXXX. Proof that you provided all relevant information to the furnishers to help them conduct a reasonable investigation. I am concerned you did not and this is why these items have not been deleted. You are required by law to consider " all '' relevant information when receiving disputes. 
XXXX. What does your automated reinvestigation system exactly determine for these reinvestigation results if these accounts are still inaccurate and incomplete? 
XXXX. Please Provide the business name and address along with the phone number of every furnisher to whom you sent relevant information. 
This is to be completed and sent back to me within 15 days of you receiving this request or else you are violating federal law. 
Please send me this description to the mailing address listed.

Company response to consumer: Closed with non-monetary relief