Consumer complaint received 2023-04-30
Company: EQUIFAX, INC.
State: DE
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:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, DELAWARE XXXX XXXX XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Verification XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXXXXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXXXXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX  Validate Account XXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX  Validate Account XXXX XXXX XXXX Validate Account XXXX  Validate Account XXXX XXXXXXXX XXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX XXXX XXXX XXXXXXXX Validate Account * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, the said party has signed and sealed these presents the day and year first above written. 



Signed, sealed and delivered in the presence of : XXXX XXXX XXXX XXXX XXXX OF I HEREBY CERTIFY that on this day before me, an officer duly qualified to take acknowledgments, personally appeared XXXX XXXX, who is personally known to me or who has produced _____________________________________________ as identification and who executed the foregoing instrument and he/she acknowledged before me that he/she executed the same. 



WITNESS my hand and official seal in the County and State aforesaid this XXXX day of XXXXXXXX XXXX 



___________________________________ Notary Public Printeod Name : XXXX XXXX

Company response to consumer: Closed with explanation