Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Equifax, XXXX and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately : I completely disagree with the response to your investigation. The following incorrect items are still present on my credit report, even after your investigation. I request that these items be reinvestigated immediately and with good cause. These inaccuracies seriously harm my credit rating. 

1. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXXXXXX XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized CAPITALONE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Please explain how you verified this account when it has already been paid. I had an agreement with the original creditor to DELETE once paid and that has not been done. 
XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Please DELETE immediately. 

9. Please provide your method of validation on how you validated this account when it has already been SOLD and TRANSFERRED to another lender. 
XXXX Account Number : XXXX If unable to provide your method of validation then please DELETE immediately. 

10. Please provide your method of validation on how this account was validated when it is reporting a PAST DUE amount on a closed and CHARGED OFF account. 
XXXX Account Number : XXXX If unable to provide your method of validation then please DELETE immediately. 

11. Please provide your method of validation on how this account was validated when it is reporting a PAST DUE amount on a COLLECTION. 
XXXX XXXX XXXX Account Number : XXXX If unable to provide your method of validation then please DELETE immediately.

Company response to consumer: Closed with non-monetary relief