Consumer complaint received 2025-10-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the list of accounts below have violated my readily protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
These federal laws ensure that every consumers personal information is handled with accuracy, fairness, and integrity by both credit reporting agencies and information furnishers. 
ACCOUNTS : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number xxxxxxxxxxx XXXX XXXX Account Number XXXX XXXXXXXX LIVING Address : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax and noticed some things are incomplete and not accurate According to the FCRA 15 USC 1681 E ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681s-2 Responsibilities of Information Furnishers Under this section, any company, lender, or collection agency furnishing information to a credit bureau is legally obligated to report only accurate and verifiable information.

They must : Avoid reporting data they knowor have reason to believeis inaccurate.

Investigate and correct any disputed or outdated information within the time limits set by law.

Cease reporting any item that can not be verified.

Failure to meet these duties constitutes a direct violation of the FCRA and may result in civil liability, fines, or enforcement action.

15 U.S.C. 1681i ( a ) ( 5 ) Duties of Credit Reporting Agencies After Reinvestigation When a consumer disputes an account, the credit bureau is required to : Conduct a timely reinvestigation of the disputed item.

Delete or modify any information found to be inaccurate, incomplete, or unverifiable.

Provide written confirmation to the consumer reflecting the correction.

Prohibit the re-insertion of any previously deleted information unless it has been certified accurate in writing by the furnisher.

Company response to consumer: Closed with explanation