Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that EQUIFAX has been violating the Fair Credit Reporting act, when it comes to reporting information on my report. In this complaint I will go in order listing the negative accounts and bankruptcy that need to be removed, otherwise I will be forced to take legal action. All of these accounts are in violation of the Fair Credit Reporting act section 603 ( a ) ( 2 ) ( a ) ( i ), which states [ " Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' ]. Transactions which can be known as late payments, a late payment is a type of transaction where on is late, these are clearly excluded from being reported however EQUIFAX, who as a Credit Reporting Agency should have reasonable knowledge of the laws governing them, has been reporting them on all of these accounts. This is in gross violation of the law congress put to keep consumer reporters fair and equitable to me, the consumer. Secondly, my experience, which can be known as utilization on the card. This as the law states is also to be excluded however once again it is being reported on all these accounts, EQUIFAX should know the laws that govern them. EQUIFAX also violated section 604 ( a ) ( 1 ) and ( 2 ) which states [ " ( a ) In general-Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. " ]. I am demanding EQUIFAX to produce the court order allowing them to furnish the bankruptcy on my report, I am also demanding my written instruction, signature on a contract which I signed with EQUIFAX, or any other express written permission given by me, XXXX XXXX to EQUIFAX that allows them to furnish these accounts. If they do not have these then I am demanding these accounts be removed immediately as it is hindering me from obtaining loans for personal, family, and household purposes. EQUIFAX has a duty to report in a manner which is fair and equitable to me, the consumer, by having this information on my report it has caused me to miss out on multiple loan opportunities, if this matter does nt get resolved I will be seeking money for actual damages via the courts or arbitration. XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX ( This is a duplicate account that I did not open ) XXXX. XXXX XXXX XXXX ( OPENED WITHOUT MY CONSENT ) XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account Number XXXX ( OPENED WITHOUT MY CONSENT ) XXXX. XXXX XXXX  Account Number XXXX XXXX. XXXX Account Number XXXX XXXX. XXXX XXXX XXXX Account Number XXXX XXXX. XXXX XXXX XXXX Account Number XXXX XXXX. XXXX XXXX Account Number XXXX XXXX. XXXX Account Number XXXX XXXX. XXXX Account Number XXXX XXXX. XXXX XXXX  XXXX Account Number XXXX XXXX. XXXX XXXX XXXX  Account Number XXXX ( OPENED WITHOUT MY CONSENT ) XXXX. XXXX  XXXX bankruptcy discharged Reference Number XXXX ( SUBMIT COURT ORDER SHOWING PROOF EQUIFAX CAN FURNISH THIS )