What Equifax did:
These accounts are being falsely reported as a charge-offs and late or missed payments with a past due amount which is a violation under 15 U.S. Code § 1666b:
SCHOOLSFIRST FCU Credit Card account #******** opened on 02/01/2020
SCHOOLSFIRST FCU Unsecured loan account #******** opened on 04/01/2020
KIA MOTORS FINANCE Auto Loan account #20200708824345 opened on 07/01/2020
The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED/ CURRENT. These transactions were authorized by a credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit under 15 U.S. Code 1602(l). Thus, making a social security card a credit card. This account was authorized by a social security card, a credit card ` 1and therefore must be excluded from any consumer report. reporting information on any consumer report is a violation of 15 U.S. Code § 1681a(2)(B) and must be deleted.
Submitted by: Anonymous in California | Read more Equifax complaints