Complaints

This profile includes complaints for Equifax, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Equifax, Inc.

  PO Box 740256 Atlanta, GA 30374-0256

  
• 

  Equifax, Inc.

  PO Box 740241 Atlanta, GA 30374-0241

  
• 

  Equifax Risk Management Services

  11601 Roosevelt BLVD N Saint Petersburg, FL 33716-2202

• 

  Equifax, Inc.

  1800 Deming Way Middleton, WI 53562-3512

• 

  Equifax, Inc.

  PO Box 8982 Madison, WI 53708-8982

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:11/15/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello, my name is ***********************. When I had recently pulled my credit report up, I noticed there was a bankruptcy showing up on my report. I contacted both ***** Nexis and the bankruptcy court that the bankruptcy is connected to, and they both stated that they do not report to credit bureaus. According to 15 US code 1681a(4) Every consumer has a right to privacy and the bankruptcy reporting is in direct violation of my privacy. This has had an unfortunate impact on my life and affecting me personally in trying to purchase a home, acquire credit, and receive employment. Also, under 15 US code 1681e(b) and 15 US code 1681i(5) this account is in violation in not reporting 100% accurate because it lists the bankruptcy as the furnisher. This is misleading and forgery as I have a letter from the bankruptcy court that says they do not report this type of account. I am urging you to remove this bankruptcy immediately from my credit report so I can provide for my family and improve the quality of life for me and my family. Thank you for your help.

  

  Business Response

  Date: 11/15/2022

  EQUIFAX
  
  
  11/15/2022
  
  *****************************
  Better Business Bureau
  
  
  RE: ***********************, Case #********
  
  Dear *****************************:
  
  Thank you for submitting ************************* complaint on 11/14/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  Please be advised that an investigation with the furnishers of the information has been initiated.  When the furnishing company provides their findings, we will send those results directly to the consumer. 

  
  DISPUTE IS PENDING INVESTIGATION WITH THE CREDIT GRANTOR - REFERENCE DISPUTE CONFIRMATION  - **********

  
  If they have any additional questions, they may call ************** or they may visit www.myequifax.com.  With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes.  Additionally they can access free Equifax credit reports and other products.

  
  Thank you for the opportunity to assist you, we are closing this complaint.

  
  Sincerely,
  
  Sr. Consumer Relations Specialist

• Initial Complaint

  Date:11/15/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have a current mortgage account that is showing closed / transferred to another Lender on my Equifax credit report. I've contacted the Lender to report the information to Equifax as an Open account and the lender has done that. The mortgage account is reporting correctly on Experian and Transunion. Equifax still has not updated the information to report correctly on my credit reported. I've disputed the account, and that does not fix the problem. The Mortgage account name is NATIONSTAR Mortgage ****************. That account should be showing OPEN. The account was never transferred or sold.

  

  Business Response

  Date: 11/15/2022

  EQUIFAX
  
  
  November 15, 2022
  
  *****************************
  Better Business Bureau
  
  
  RE: ***********************, Case #******** 
  Dear *****************************:
  
  Thank you for submitting ******************* complaint on 11/15/22through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  Please be advised that an investigation of the information was completed.  The results were sent directly to the consumer. 

  
  NATIONSTAR DBA MR ** THIS AC**UNT HAS BEEN UPDATED ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED: SCHEDULED PAYMENT,PAST DUE,BALANCE,ADDITIONAL INFORMATION,AC**UNT HISTORY. EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. 

  
  If they have any additional questions, they may call ************** or they may visit www.myequifax.com.  With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes.  Additionally they can access free Equifax credit reports and other products.

  
  Thank you for the opportunity to assist you, we are closing this complaint.

  
  Sincerely,
  
  Sr. Consumer Relations Specialist

  Customer Answer

  Date: 11/15/2022

   
  Complaint: 18408192
  
  I am rejecting this response because:

  That does not fix the situation. I can show proof the account is open.  I receive monthly statements from the lender and the account should not be showing closed on my Equifax credit report.    The account is not reporting correctly on Equifax.    

  Sincerely,
  
  ***********************

  

  Business Response

  Date: 11/15/2022

  EQUIFAX
  
  
  November 15, 2022
  
  *****************************
  Better Business Bureau
  
  
  RE: ***********************, Case #******** 
  Dear *****************************:
  
  Thank you for submitting ******************* complaint on 11/15/22through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  Please be advised that an investigation of the information was completed.  The results were sent directly to the consumer.

  
  NATIONSTAR DBA ******* ACCOUNT IS SHOWING OPEN - PAID AS AGREED 

  
  * In reference to your concern regarding the investigation process: Upon receipt of your dispute, we first review and consider any relevant information you submitted regarding the nature of your dispute. Often, Equifax will then transmit your dispute to the furnisher of the information (ie. the bank associated with a disputed credit card) for review and investigation. Equifax electronically sends a notification of your dispute, including a summary of the relevant information submitted, to the respective furnisher. The furnisher reviews the information provided, conducts an investigation with respect to the disputed information and reports the results back to us electronically. Equifax then makes deletions or changes to your credit file. The name, address and, if reasonably available, the telephone number of the furnisher(s)/source(s) of the information contacted while processing your dispute(s) is shown under the 'Results of your investigation' section on the cover letter that accompanies the copy of your revised credit file.

  
  If they have any additional questions, they may call ************** or they may visit www.myequifax.com.  With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes.  Additionally they can access free Equifax credit reports and other products.

  
  Thank you for the opportunity to assist you, we are closing this complaint.

  
  Sincerely,
  
  Sr. Consumer Relations Specialist

  Customer Answer

  Date: 11/15/2022

   
  Complaint: 18408192
  
  I am rejecting this response because

  please see attachment.  I'm currently looking at my Equifax credit report on Equifax.com and it shows *************** mortgage account as closed.   

  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:11/15/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello, my name is *************************. Recently, when I pulled up my credit report, I noticed that there is a bankruptcy on my report. I contacted the bankruptcy court associated with the bankruptcy and they stated that they do not report to credit bureaus. Also, I contacted *********** and they stated as well that they do not report to credit bureaus. According to 15 US code 1681a(4) Every consumer has a right to privacy and the bankruptcy reporting is in direct violation of my privacy. This has affected me personally in acquiring credit, receiving employment, and purchasing a house. Also, under 15 US code 1681e(b) and 15 US code 1681i(5) this account is in violation in not reporting 100% accurate because it lists the bankruptcy as the furnisher. This is forgery and misleading because I have a letter from the bankruptcy court that states they do not report this type of account. In order to improve the quality of life for myself and family, I am asking for this bankruptcy to be removed from my credit report immediately. Thank you for your help.

  

  Business Response

  Date: 11/16/2022

  EQUIFAX
  
  
  11/16/2022
  
  *****************************
  Better Business Bureau
  
  
  RE: *************************, Case 18407797
  
  Dear *****************************:
  
  Thank you for submitting *************************** complaint on 11/15/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  Please be advised that an investigation with the furnishers of the information has been initiated.  When the furnishing company provides their findings, we will send those results directly to the consumer. 
  If they have any additional questions, they may call ************** or they may visit www.myequifax.com.  With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.
  Thank you for the opportunity to assist you, we are closing this complaint.
  Sincerely,
  
  Sr. Consumer Relations Specialist

• Initial Complaint

  Date:11/15/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  "CRA" VIOLATED "FCRA" SECTION 607, 609 REPORTING INACCURATE INFORMATION OF PUBLIC RECORDS "PACER" DATE OF BANK CH13 OUTDATED OVER 7YRS SINCE 2016/ 2018.. 7YRS, REMOVE FORM FILE ASAP AND RE-SCORE , SSN# ****, DOB: 10/14/1964

  

  Business Response

  Date: 11/16/2022

  EQUIFAX
  
  
  11/15/2022
  
  *****************************
  Better Business Bureau
  
  
  RE: *************************, Case 18407539
  
  Dear *****************************:
  
  Thank you for submitting ******************** complaint on 11/15/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  Please be advised that an investigation with the furnishers of the information has been initiated.  When the furnishing company provides their findings, we will send those results directly to the consumer. 
  If they have any additional questions, they may call ************** or they may visit www.myequifax.com.  With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.
  Thank you for the opportunity to assist you, we are closing this complaint.
  Sincerely,
  
  Sr. Consumer Relations Specialist

• Initial Complaint

  Date:11/15/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  THEY ARE REPORTING A COLLECTION WITH ************************* THAT I HAVE NO KNOWLEDGE OF ACCOUNT I BELIEVE THHIS ACCOUNT IS NOT MINE

  Customer Answer

  Date: 11/15/2022

  collection account ***************************

  

  Business Response

  Date: 11/17/2022

  Tell us why here...EQUIFAX
  
  
  11/17/2022
  
  *****************************
  Better Business Bureau
  
  
  RE: ***************************, Case # ********
  
  
  Dear *****************************:
  
  Thank you for submitting *************************** complaint on 11/15/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  Please be advised that an investigation with the furnishers of the information has been initiated.  When the furnishing company provides their findings, we will send those results directly to the consumer. 
  If they have any additional questions, they may call ************** or they may visit www.myequifax.com.  With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.
  Thank you for the opportunity to assist you, we are closing this complaint.
  Sincerely,
  
  Sr. Consumer Relations Specialist

• Initial Complaint

  Date:11/15/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 10/11/22 I reviewed my Equifax credit report & noticed quite a few inaccuracies. I contacted the company & disputed this information, requesting a reinvestigation via certified letter on 11/15/22. On 11/04/22 I received my results re: ******* Wireless Account# **************, stating that the account's reporting was 100% accurate & complete. This is not the case, which is why I just submitted a complaint requesting that the **** reinvestigate on 11/13/22. I also requested a description of the reinvestigation that Equifax conducted under 15 USC 1681i(7). Equifax is continuing to report a large amount of inaccurate & incomplete information on my report. This is the complete list of inaccuracies on just this one account post-reinvestigation: *Account Status *Date of Last Activity *Date of First Delinquency *Payment History *Date Closed *Date of Last Payment *Delinquency First Reported. I am fully aware of all my rights under the ***** In continuing to report incomplete & inaccurate info, Experian is violating my rights as protected by the US Congress 15 U.S. Code 1681s2 specifically 15 U.S. Code 1681s2(b)(1)(E) ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or cannot be verified after any reinvestigation under paragraph (1), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly (i) modify that item of information; (ii) delete that item of information; or (iii) permanently block the reporting of that item of information. I am formally demanding that Equifax immediately delete this account and its incomplete and inaccurate reporting from my credit report per US Federal law.

  

  Business Response

  Date: 11/15/2022

  EQUIFAX
  
  
  November 15, 2022
  
  *****************************
  Better Business Bureau
  
  
  RE: ***********************, Case #********
  
  Dear *****************************:
  
  Thank you for submitting ******************* complaint on 11/15/22 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  Please be advised that an investigation of the information was completed.  The results were sent directly to the consumer. 

  
  REFERENCE DISPUTE CONFIRMATION - ********** 

  
  If they have any additional questions, they may call ************** or they may visit www.myequifax.com.  With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes.  Additionally they can access free Equifax credit reports and other products.

  
  Thank you for the opportunity to assist you, we are closing this complaint.

  
  Sincerely,

  Sr. Consumer Relations Specialist

• Initial Complaint

  Date:11/15/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Equifax added a fraudulent address to my credit report that had already been reported and removed for fraud. Equifax is also using this fraudulent address to keep fraudulent accounts on my credit report.Adding information to my credit that has already been removed for fraud is both negligent and fraudulent on Equifaxs behalf. Equifax stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under:15 U.S.C. **** Section 602 A. States I have the right to privacy 15 U.S.C. **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation (received in June), here is my certified mail tracking:Equifax - ******************** - Delivered June 02, 09:07AM

  Customer Answer

  Date: 11/15/2022

  This is not coming from a third party. The complaint came directly from me. 
  

  

  Business Response

  Date: 11/17/2022

  Tell us why here...
  11/17/2022
  
  *****************************
  Better Business Bureau
  
  
  RE: ******************************* # ********
  
  Dear *****************************:
  
  Thank you for submitting the consumers complaint on 11/15/2022 regarding *******************************. In the complaint, it is indicated there are inaccurate or incomplete items appearing on the Equifax credit report. In review, we were unable to locate a credit file with the personal identifying information provided. In order to properly assist the consumer and to initiate an investigation we will need additional information in order to verify their identification and current address. Please provide a legible photocopy of a valid document that shows their name, current address and complete social security number. Listed below are examples of documents that *** be provided as verification of their identification and current address: Pay stub or W2 with complete U.S. social security number, valid social security card, Driver's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill.
  
  Please return this letter along with the requested information to Equifax Information Services LLC ************************************ 30374.
  
  Sincerely,
  
  
  
  Equifax
  Sr. Consumer Relations Specialist

• Initial Complaint

  Date:11/15/2022

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Recently I applied for a Home through a first home owners programs and was denied because of my credit. I had my consumer report pulled and noticed I had unauthorized inquires reporting I was unknown off. these inquires are as follows, Inquiry: CREDCO (Date of inquiry: 03/02/2021) Inquiry: CAP ONE AF (Date of inquiry: 04/14/2021). I reached out to Equifax in regards to these inquires and was told to contact the original creditor which i did and didnt get much help. I disputed with Equifax to have them reinvestigate these inquires and was told to send in a copy of my CFPB report and or a police report. It is 11/14/22 and ive yet had any satisfaction with my recent disputes.

  

  Business Response

  Date: 11/15/2022

  EQUIFAX
  
  
  November 15, 2022
  
  *****************************
  Better Business Bureau
  
  
  RE: ***************************, Case #********
  
  Dear *****************************:
  
  Thank you for submitting ***************************** complaint on 11/14/22 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  Please be advised that an investigation of the information was completed.  The results were sent directly to the consumer. 

  
  ******************** THIS INQUIRY HAS BEEN DELETED FROM YOUR EQUIFAX CREDIT FILE.

  
  CAPITAL ONE THIS INQUIRY HAS BEEN DELETED FROM YOUR EQUIFAX CREDIT FILE.

  
  If they have any additional questions, they may call ************** or they may visit www.myequifax.com.  With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes.  Additionally they can access free Equifax credit reports and other products.

  
  Thank you for the opportunity to assist you, we are closing this complaint.

  
  Sincerely,
  
  Sr. Consumer Relations Specialist

• Initial Complaint

  Date:11/15/2022

  Type:Delivery Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  A few months back I tried applying for a home loan and got denied because of my credit. I pulled my report and noticed i had inquires that was not authorized by me or from me. The inquires are as follows. Inquiry: Inquiry: CAPITALONE (Date of inquiry: 07/02/2022) Inquiry: ****** (Date of inquiry: 03/02/2021). Equifax told me I need to contact the original creditor which I did and didnt get any help. So I disputed with Equifax once again and was told to file a CFPB report along side a FTC report. It is 11/14/22 and i've yet been satisfied with the results I received on their behalf.

  

  Business Response

  Date: 11/16/2022

  EQUIFAX
  
  
  11/16/2022
  
  *****************************
  Better Business Bureau
  
  
  RE: *************************, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting *************************** complaint on 11/14/2022through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  Please be advised that an investigation of the information was completed.  The results were sent directly to the consumer. Please allow 7 to 10 business days for delivery. 
  
  If they have any additional questions, they may call ************** or they may visit www.myequifax.com.  With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes.  Additionally they can access free Equifax credit reports and other products.
  Thank you for the opportunity to assist you, we are closing this complaint.
  Sincerely,
  
  Sr. Consumer Relations Specialist

• Initial Complaint

  Date:11/15/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The accounts listed below have violated my FCRA and consumer rights. After several disputes, Equifax has knowingly and willingly continued to report incorrect and inaccurate accounts on my report. I have suffered negative consequences due to their refusal to remove these accounts after failure to investigate and verify the accounts listed. I have submitted and contacted my attorney general regarding this company and their negligence when it comes to continually reporting inaccurate and wrong information. I have also filed a FTC report. 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 ****. Oknsinc: # ***********, *************************: # *************, BestW Rent: # **********, Exeter Finance: # ************, ***************** #***********, SelfInc/Lead: #***********, has violated my rights. 15 U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions 15 ***********. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C. ****s-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.****** I HAVE SENT COPIES TO THE ATTORNEY GENERAL OF THIS COMPLAINT AND ALL LETTERS PERTAINING TO THIS ISSUE. I HAVE ATTACHED ATTORNEY GENERAL AND FTC REPORT ****

  Customer Answer

  Date: 11/15/2022

  This complaint was not submitted through a 3rd party. I submitted this complaint myself, on my own behalf. 
  

  thanks. 

  

  Business Response

  Date: 11/15/2022

  EQUIFAX
  
  
  11/15/2022
  
  *****************************
  Better Business Bureau
  
  
  RE: *******************, Case #********
  
  Dear *****************************:
  
  Thank you for submitting *************** complaint on 11/14/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  Please be advised that an investigation with the furnishers of the information has been initiated.  When the furnishing company provides their findings, we will send those results directly to the consumer. 

  
  DISPUTE IS PENDING INVESTIGATION WITH THE CREDIT GRANTOR - REFERENCE DISPUTE CONFIRMATION  - **********

  
  If they have any additional questions, they may call ************** or they may visit www.myequifax.com.  With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes.  Additionally they can access free Equifax credit reports and other products.

  
  Thank you for the opportunity to assist you, we are closing this complaint.

  
  Sincerely,
  
  Sr. Consumer Relations Specialist

  Customer Answer

  Date: 11/15/2022

   
  Complaint: 18402910
  
  I am rejecting this response because:
  Ive given applicable chances for Equifax to investigate these accounts. Failure to investigate thoroughly and prove these accounts as accurate require DELETIONS OF ACCOUNTS IN QUESTION. By law, they have ********************************************** delete it. They come back numerous times saying the accounts are correct and verified. Ive also asked multiple times what method of verification was used (by law they are required to provide when asked by the consumer) and they have failed each time in providing me those methods. Which leads me to believe they have not completed an actual investigation, theyve just marked it as verified. I am REQUESTING IMMEDIATE DELETIONS OF THESE ACCOUNTS, as they HAVE VIOLATED AND CONTINUE TO VIOLATE MY CONSUMER RIGHTS ACCORDING TO THE FCRA. 
  

  15 ********** section 602 A. States I have the right to privacy.
  15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written
  instructions
  15 ***********. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following
  items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by
  more than seven years.
  15 U.S.C. ****s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency 
  
  Sincerely,
  
  *******************

  

  Business Response

  Date: 11/15/2022

  EQUIFAX
  
  
  11/15/2022
  
  *****************************
  Better Business Bureau
  
  
  RE: *******************, Case #********
  
  Dear *****************************:
  
  Thank you for submitting *************** complaint on 11/14/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  Please be advised that an investigation with the furnishers of the information has been initiated.  When the furnishing company provides their findings, we will send those results directly to the consumer. 

  
  DISPUTE IS PENDING INVESTIGATION WITH THE CREDIT GRANTOR - REFERENCE DISPUTE CONFIRMATION  - **********

  
  If they have any additional questions, they may call ************** or they may visit www.myequifax.com.  With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes.  Additionally they can access free Equifax credit reports and other products.

  
  Thank you for the opportunity to assist you, we are closing this complaint.

  
  Sincerely,
  
  Sr. Consumer Relations Specialist

  Customer Answer

  Date: 11/15/2022

   
  Complaint: 18402910
  
  I am rejecting this response because:
  This isnt an actual response. I am getting an automated response. In order to get this situation taken care of, I need someone whos going to actually read what I am presenting & respond. A response from a computer will not work.

  Sincerely,
  
  *******************