Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern Equifax, I am writing to express my extreme frustration and utter disgust after discovering that the following company ( s ) have reported late payment ( s ) on my consumer report : XXXX Account # XXXX Let me be clear, the late payments ( s ) on my consumer report is/are a blatant violation of my consumer rights and will not be tolerated. I demand the immediate removal of these late payment ( s ) without any further delay! 
I would like to remind you that the consumer laws cited below are not suggestions, but are in fact, legally binding regulations that you are required to follow. 
15 USC 1681a 2 -Exclusions ( a ) ( i ) is a subsection of the Fair Credit Reporting Act that clearly states Any report containing information solely as to transactions and experiences between the consumer and the person making the report. 
15 USC 6802 is a section of the United States Code that outlines the obligations of financial institutions with respect to the disclosure of personal information. 15 USC 6802 outlines the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third parties. Financial institutions are required to clearly and conspicuously disclose to the consumer, in writing or in electronic form, that their personal information may be disclosed to third parties. The consumer must be given the opportunity to direct that their information not be disclosed and must be provided with an explanation of how they can exercise that option. 
XXXX usc XXXX ( a ) ( XXXX ) is a section of the United States XXXX that outlines the permissible purposes for which a consumer reporting agency XXXX furnish a consumer report. In general, a consumer reporting agency XXXX furnish a consumer report only under the following circumstances and no other : XXXX ) The consumer must give written authorization, and I did not and will not give any creditor the right to add negative, inaccurate and injurious information to my consumer report. 
It is clear that the late payment ( XXXX ) on my consumer report is/are in direct violation of the laws cited above. As such, I am entitled to receive damages for this willful noncompliance. 
Let me be unequivocally clear, according to XXXX XXXX XXXX, I can charge {$1000.00} for damages if you fail to remove this item immediately, as it is causing me significant harm and distress. 
I demand that you take immediate action and rectify this issue promptly. Any delay or inaction on your part will be considered a deliberate attempt to violate my consumer rights and will not be tolerated. 
I do not expect to receive a verification of the item in question as it is abundantly clear that it is in violation of the law. I demand that you send me an updated copy of my consumer report once the disputed item has been removed. 
I trust that you will take this matter seriously it immediately.

Company response to consumer: Closed with explanation