Product: Credit reporting or other personal consumer reports

This letter is a formal complaint to Equifax, stating that inaccurate negative information, specifically late payments that were not actually late, was reported on the credit report without proper verification or consent, significantly impacting the credit score and causing credit denial due to the inaccurate data. The consumer is citing various sections of the U.S. Code related to consumer protection and credit reporting, emphasizing that they were not given the opportunity to opt out of sharing their information and that Equifax failed to adequately verify the information reported by third-party companies before impacting their credit score. 
Key points of the complaint : Incorrect information : The consumer claims all payments were made on time, yet their credit report shows late payments, which is considered inaccurate and misleading. 
Lack of verification : Equifax did not properly verify the information with the consumer before reporting negative information from third-party companies, violating consumer protection laws.

No consent : The consumer did not provide consent for their information to be shared with third parties and negatively impact their credit score without proper verification.

Legal references : The letter cites specific sections of the U.S. Code including 15 U.S. Code 6802, 6803, and 1692c, highlighting the legal right to accurate credit reporting and the requirement for consumer consent.

Impact on credit score : The inaccurate information has resulted in credit denial, causing significant financial harm to the consumer.

What the consumer is demanding : Immediate correction : Equifax should remove all inaccurate late payment information from the credit report.

Explanation of verification process : A detailed explanation of how the disputed information was verified and why the consumer was not notified about potential issues with their credit report.

Communication with third-party companies : Equifax should contact the third-party companies that provided the inaccurate information and ensure the correction is reflected across all credit reports.

Full copy of investigation : A complete copy of the investigation regarding the disputed information should be provided to the consumer via certified mail.

Next steps : Follow up : If Equifax does not address the concerns within a reasonable time frame, the consumer should consider contacting the Consumer Financial Protection Bureau ( CFPB ) to file a formal complaint. 

It has come to my attention that XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has my information from ( CFPB ) my consumer report that is allowing my information to be used against my will and or knowledge. According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 15 U.S. Code 1692c - Communication in connection with debt collection. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 15 U.S. Code 1692c - ( a ), ( b ), ( c ), Ownership : I have no knowledge of this account. Additional comments : This account was open without my consent and or knowledge and needs to be DELETED/REMOVED PERMANENTLY in accordance to 15 U.S. Code 6802, 15 U.S. Code 6803 ( a ) Disclosure required, 15 U.S. Code 6803 ( c ).

To Equifax, I am requesting an immediate update to my credit report to reflect all previously listed " late payments '' as " current/up-to-date '' or " paid as agreed and always on time, '' as this inaccurate information has significantly impacted my ability to secure credit, including mortgages, auto loans, personal loans, and credit cards, due to the NEGATIVELY reporting on my credit history. I believe Equifax has played a major role in denying me credit opportunities by maintaining these inaccurate late payment listings, and I urge you to correct this issue promptly to accurately represent my current positive credit standing.