Consumer complaint received 2024-02-02 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: LA

Complaint narrative:
FAILURE TO RE-INVESTIGATE ; I made contact with creditor via CFPB they informed me that my dispute should be with the CRA directly. Creditor advised that they are not responsible if you EQUIFAX decides to continue to furnish INACCURATE information the documents that they sent me does not coincide with the information EQUIFAX is furnishing on my consumer report. 
EQUIFAX you are in clear VIOLATION of my rights under the FCRA you have failed to conduct proper reinvestigation. I requested that EQUIFAX to do an investigation on the account below for accuracy account came back verified. I do not believe an investigation was done because it's no way the account would come back verified as accurate due to the large discrepancies and information mismatched. This is the final request for account deletion my privacy has been violated this is direct violation of my consumer rights as outline by the FCRA. Failure to follow reasonable procedures to assure maximum possible accuracy of my information as a consumer is NEGLIGENT and causing emotional distress and humiliation. You EQUIFAX have damaged my reputation ; I will be requesting {$1000.00} in damages due to failure of investigation please re-investigate and REMOVE this Erroneous, inaccurate account from being furnished on my Consumer report!! 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Duty : a moral or legal obligation ; a responsibility.

Accurate : correct in all details ; exact Prohibition : a law or regulation forbidding something.15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 
Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX In Accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.

The continued reporting of this INACCURATE information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information ; you have caused me and my family severe harm.This is a final opportunity to Cure and DELETE this INACCURATE ACOUNT! EQUIFAX you are willfully failing to comply with requirements of the FCRA with respect I am liable to consumer damages, or punitive damages of up to {$1000.00} if you continue to violate my rights.You ARE PROHIBITED BY LAW to furnish inaccurate information you EQUIFAX are hereby put on NOTICE that you are furnishing incorrect INACCURATE information even after I the consumer has bought it to your attention. 
15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

THIS IS THE FINAL OPPORTUNITY!

Company response to consumer: Closed with non-monetary relief