Consumer complaint received 2024-12-02 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: PA

Complaint narrative:
I am asking that you reinvestigate the XXXX XXXX account on my Equifax credit file.. Per the original dispute notice I asked that this account be removed and during your closing investigation through the credit bureau of Equifax, states that this account is not with that credit reporting agency.. again please remove this from my reports.. I will be sending over documentation showing that this fraudulent account is being displayed with this agency.. Please remove immediately.. Furthermore According to 15 US Code S 6801 addresses the protection of non public personal information and according to non public personal information is a transaction and or experience made between myself and the creditor directly..My rignts have been violated greatly per the GRAMM LEACH BLILEY ACT 15 USC S 6801-6809.. Please remove all negative reporting referring to the above accounts immediately. I never gave XXXX any permission to report anything to my credit reports let alone signed any disclosure forms.. 
Please include the Permissible purpose form in this reinvestigation.. pursuant to15 USC 1681 EB you have 5 days to send back results of this reinvestigation also please send a description of the procedure how you went about the investigation to determine the information was accurate pursuant to 15 USC 1681 a ( e ) ( investigation ) XXXX  HAVE TO HAVE written instruction from consumer to even report this.. 
pursuant to 15 USC 1681 l ( a ) 5 and 1681 ( a ) 1 delete unverified information and if there is no proof that none of this information has been included in the first initial investigation this information was not verified and should be deleted immediately. This file is not accurate or fair.. This information reporting is in clear violation of my rights.. I have sent you proof of the violation on my consumer file and you continue to report it. furthermore you have failed to protect my rights to privacy and exercise your grave responsibility with fairness and impartiality pursuant to 15USC 1681 accuracy and fair reporting Please reinvestigate and send proof of the investigations. Including the 3 disclosure forms, Permissible Purpose form and other information regarding the initial investigation.. according to 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
If these steps were not followed please delete all negative information immediatelyXXXX report number from previous investigation for investigation for XXXX XXXX  IS XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation