Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
EQUIFAX is reporting XXXX XXXX account # XXXX as an account balance of {$3200.00}. ( 1 ) Past Due - 30 days ( 1 ) Past Due - 60 days ( 8 ) Past Due - 90 days It is illegal to report transaction history. With that being said I demand EQUIFAX update XXXX Account XXXX XXXX as PAID AS AGREED immediately! EQUIFAX is reporting XXXX Account XXXX XXXX with an account balance of {$380.00}. I demand EQUIFAX delete this immediately! EQUIFAX is reporting XXXXDEPT OF ED Account XXXX XXXXXXXX with an account balance of {$3500.00} and a high balance of {$3500.00} completely different from XXXX and XXXX. EQUIFAX is reporting a monthly payment of {$36.00} completely different from XXXX and XXXX. I demand EQUIFAX update XXXXDEPT OF ED as PAID AS AGREED immediately! EQUIFAX is reporting XXXXDEPT OF ED Account XXXX XXXXXXXX with an account balance of {$3500.00} and a high balance of {$3500.00} completely different from XXXX and XXXX. EQUIFAX is reporting a monthly payment of {$37.00} completely different from XXXX and XXXX. I demand EQUIFAX update XXXXDEPT OF ED as PAID AS AGREED immediately! EQUIFAX is reporting XXXXDEPT OF ED Account XXXX XXXXXXXX with an account balance of {$5500.00} with a high balance of {$5500.00} completely different from XXXX. I demand EQUIFAX update XXXXDEPT OF ED as PAID AS AGREED immediately! EQUIFAX is reporting XXXXDEPT OF ED Account XXXX XXXX with an account balance of {$1700.00} completely different from XXXX and a high balance of {$1700.00} which is completely different from XXXX and XXXX. EQUIFAX is reporting a monthly payment of {$18.00} completely different from XXXX. I demand EQUIFAX update XXXXDEPT OF ED as PAID AS AGREED immediately! EQUIFAX is reporting XXXXDEPT OF ED Account XXXX XXXXXXXX with an account balance of {$2000.00} which is completely different from XXXX and XXXX. EQUIFAX is also reporting a high balance of {$2000.00} which is completely different from XXXX and XXXXEQUIFAX is reporting a monthly payment of {$20.00} completely different from XXXX and XXXX. I demand EQUIFAX update XXXXDEPT OF ED as PAID AS AGREED immediately! EQUIFAX is reporting XXXXDEPT OF ED Account XXXX XXXXXXXX with an account balance of $ XXXXEQUIFAX is reporting a high balance of {$1700.00} which is completely different from XXXX. I demand EQUIFAX update XXXXDEPT OF ED as PAID AS AGREED immediately! EQUIFAX is reporting XXXXDEPT OF ED Account # XXXX with an account balance of XXXX XXXXXXXXEQUIFAX is reporting a high balance of {$1400.00} completely different from XXXX. I demand EQUIFAX update XXXXDEPT OF ED as PAID AS AGREED immediately! EQUIFAX is reporting XXXXDEPT OF ED Account XXXX XXXXXXXX with an account balance of {$1100.00} completely different from XXXX. EQUIFAX is reporting a high balance of {$1000.00} completely different from XXXX and XXXXEQUIFAX is reporting a monthly payment of {$10.00} completely different from XXXX. I demand EQUIFAX update XXXXDEPT OF ED as PAID AS AGREED immediately! EQUIFAX is reporting XXXX/DEPT OF ED Account XXXX XXXXXXXX with an account balance of {$2100.00} completely different from XXXX and XXXXEQUIFAX is reporting a monthly payment of {$21.00} completely different from XXXX and XXXXEQUIFAX is reporting a high balance of {$2000.00} completely different from XXXX and XXXX. I demand EQUIFAX update XXXXDEPT OF ED as PAID AS AGREED immediately! EQUIFAX is reporting XXXX XXXX XXXXXXXX Account XXXX XXXX with a balance of {$2500.00}. I demand EQUIFAX delete this immediately! EQUIFAX is reporting a collection with XXXX XXXX XXXX account XXXX XXXX with a balance of {$66.00}. Equifax is the only credit bureau reporting this inaccurate information, XXXX and XXXX are not. I demand EQUIFAX delete this immediately! Equifax is also REPORTING 2 DIFFERENT SOCIAL SECURITY NUMBERS on my consumer report! This is absolutely unacceptable and complete fraud! This is a complete violation of the Privacy Act of XX/XX/1974, because if there are 2 social security numbers reporting on my consumer report, I have a strong feeling my social security has also been exposed and sold and is currently being reported on someone elses credit report! USC 1681 Permissable Purpose of consumer reports states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not consent, nor have I ever given written consent, or instructions to XXXX, Equifax, or XXXX to report any such information that is currently reflecting my credit report! Equifax, XXXX, and XXXX are reporting different names on my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I immediately request of all inquiries on my consumer report be deleted by each credit bureau XXXX, XXXX and Equifax as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Not only have these credit reporting agencies stolen and sold my information but as a result of such inaccurate information and fraud being committed, Ive suffered emotional, and physical damages and lots of sleepless nights. I have been harassed on the phone for months straight by debt collectors attempting to extort me for money under duress! I have suffered severe XXXX which I am currently seeing a doctor for. Ive been denied my right of extension of my credit time and time again which has resulted in me missing my grandfather 's funeral, my inability to find housing, and the basic needs of life for me to properly thrive. I expect to fully be compensated per violation for the emotional and mental distress Ive suffered because of these agencies according to the law : XXXX, Equifax, and XXXX. 
15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
PRIVACY ACT OF XX/XX/1974 The Privacy Act of XX/XX/1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. 
15 USC 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- 15 USC 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 15 USC 1692e The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 15 USC 1692k Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and

Company response to consumer: Closed with non-monetary relief