Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the FCRA this creditor ( XXXX XXXX XXXX XXXX XXXX Delinquent for the XXXX of XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX ( Delinquent for the XXXX of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX ) XXXX XXXX : XXXX ( Delinquent for the XXXX of XX/XX/XXXX ), has violated my rights. Under XXXX XXXX XXXX section XXXX states I have the right to privacy. Ive been denied from housing and excluded from jobs due to the violation of XXXX XXXX XXXX XXXX XXXX. Under XXXX XXXX XXXX section XXXX section XXXX states that a XXXX XXXX XXXX can not furnish an account without my written instructions. I never gave the XXXX XXXX XXXX my permission to furnish my account and I would like the information furnish on my account to be removed ( ( XXXX XXXXXXXX : XXXX ( Delinquent for the XXXX of XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( Delinquent for the XXXX of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX ) XXXX XXXX : XXXX ( Delinquent for the XXXX of XX/XX/XXXX ) ). Under XXXX XXXX XXXX a creditor may not treat a payment on a credit card account under an open end consumer plan as late for ANY PURPOSE. Removed the delinquent accounts from my credit report because they are violating several of my rights that are allotted to me by the FRCA. Do not respond with a generic response. I am well aware of my rights and the laws surrounding consumer credit and the FRCA. If you do not honor my request I will have to take this further and seek legal counsel. 

In accordance with the Fair Credit Reporting act XXXX XXXX are fraudulent and Where not made by me. I do not recognize these inquiries and demand that they be deleted from my account immediately : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) ( XXXX ) XXXX XXXX -- XXXX XXXX XXXX  XX/XX/XXXX XXXX ) ( XXXX ) XXXX XXXX Cred -- Inquiry date : XX/XX/XXXX, XXXX ) ( XXXX ) XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX. The aforesaid creditor did not have my written consent to access or pull my credit report. Please provide proof of my written signature that granted these companies to access my credit report. If that can not be done please remove these inquiries promptly. Please do not reply with a generic response about your obligation to report the inquiries as they are. I am well aware of my rights that are allotted to me by the FCRA. And the aforementioned accounts are in violation of several FCRA Laws that are allotted to me. I do not recognize them and they are fraudulent and need to be removed off my credit file immediately. They are harming my credit file and hindering me from getting reasonable financing terms.

Company response to consumer: Closed with explanation