Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, az XXXX Date of XXXX SS # XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Attn XXXX Customer Relations Department XX/XX/XXXX Re : Request to describe method of verification To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Re : 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CITZENSONE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CITZENSONE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CITZENSONE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS BELLROADTO Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1692K - CIVIL LIABILITY XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1692K - CIVIL LIABILITY XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies CREDIT XXXX Account Number : XXXX Please remove it from my credit report. 

14. 15 U.S. Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX SYS Account Number : XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXXXXXX CO Account Number : XXXX Please remove it from my credit report. 

16. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES Account Number : XXXX Please remove it from my credit report. 

17. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 

18. 15 U.S. CODE 1692K - CIVIL LIABILITY CREDIT COR Account Number : XXXX Please remove it from my credit report. 

19. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

20. 15 U.S. CODE 1692K - XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

21. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 

22. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

23. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY TFC CREDIT Account Number : XXXX Please remove it from my credit report. 

24. 15 U.S. CODE 1692K - CIVIL LIABILITY XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

25. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES MISSIONLNTAB Account Number : XXXX Please remove it from my credit report. 

26. 15 U.S. Code 1681sXXXX - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

27. 15 U.S. CODE 1692K - CIVIL LIABILITY XXXX Account Number : XXXX Please remove it from my credit report. 


I was also wondering if you were familiar with something called 15 U.S.C. Sec.

1681i ( a )? I heard that if you can't provide proof, then these accounts must be deleted. If you are not able to update as per requested I expect all the accounts deleted immediately.

It is also to my understanding that I am entitled to an updated credit report as well as anyone who has inquired to obtain my credit report in the last 6 months. Please send me a copy of the updated report to the address I have provided. 
Also, send a copy of the updated report to all who inquired on my credit in the last 6 months.

Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Thank You, Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief