Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I AM A FEDERALLY PROTECTED CONSUMER AND I'M BEING VIOLATED BY EQUIFAX MY CONSUMER REPORT IS NOT FAIR AND EQUITABLE TO ME AND UNDER THE FAIR CREDIT REPORTING ACT. I HAVE FEDERAL CONSUMER PROTECTION RIGHTS. EQUIFAX WILL NOT DELETE THE OLD ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX FROM MY CONSUMER REPORT. I DO NOT LIVE THERE AND I HAVE WRITTEN ASKING THEM TO DELETE THIS FROM MY CONSUMER REPORT ( XXXX ) TIMES PRIOR AND THEY WILL NOT COMPLY. XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX UNDER THE FAIR CREDIT BILLING ACT IF THERE IS NO EVIDENCE OF INDEBTNESS. I CANT BE LATE FOR ANY REASON. THIS ACCOUNT IS ALREADY PREPAID IT IS AN EXTENSION OF CREDIT AND NOT A DEBT. XXXX IS IN BREACH OF THERE FIDUCARY DUTY TO PROTECT MY NON PUBLIC PERSONAL INFORMATION TO A NON AFFILIATED THIRD PARTY CRAs. I NEVER GAVE XXXX CONSENT TO FURNISH ANY NEGATIVE INFORMATION AND NEVER GAVE THEM PERMISSION TO A CONSUMER REPORTING AGENCY ( EQUIFAX ). NO CONSENT MEANS NO REPORTING!!!! I NEVER RECIEVED INFORMATION FROM XXXX ON HOW TO OPT OUT WHICH IS MY RIGHT AND UNDER THE GRAMM LEECH BLILEY ACT ( GLBA ) MY PRIVACY IS PARAMOUNT AGAIN THIS IS A EXTENSION OF CREDIT NOT DEBT AND ITS IMPOSSIBLE TO BE LATE ON A EXTENSION OF CREDIT UNDER FCRA 15 USC 1666 STATES A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered. FCRA 15 USC 1666B STATES ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. HOW CAN I MISS ANY PAYMENTS ON SOMETHING I FINANCED? THE EXTENSION CREDIT ORIGINATED FROM MY SOCIAL SECURITY NUMBER WHICH WAS USED IN THIS CREDIT TRANSACTION THEN PREPAYED. THE TRUTH IN LENDING ACT SAYS I AM THE CARD HOLDER BENEFACTOR NOW I AM NOT RECIEVING THE BENEFITS AND IT IS NOW UNAUTHORIZED USE OF A CREDIT CARD. THIS CANT BE BE ACCURATE IF NO EVIDENCE OF INDEBTNESS EXIST!!!! IT IS IMPOSSIBLE TO BE LATE REPAYING AN EXTENSION OF CREDIT THERE IS NO DEBT SO THERE SHOULD NOT BE MARKED AS LATES REPORTING. THIS ACCOUNT WAS ALREADY PAYED IN FULL THERE CANT BE LATES AND BALANCES. XXXX CLOSED THIS ACCOUNT WITHOUT NOTICE OR ANY WRITTEN NOTICE THEY NEVER EXPLAINED MY RIGHTS OR ANYTHING TO ME WHICH IS A VIOLATION. DUE TO F.C.R.A. VIOLATIONS. DELETE THIS DAMAGING ACCOUNT FROM MY CONSUMER REPORT IMMEDIATELY. I'M STANDING ON MY FEDERAL CONSUMER RIGHTS THE FAIR CREDIT REPORTING ACT, AND THE FAIR CREDIT BILLING ACT, ON THIS ISSUE.

Company response to consumer: Closed with non-monetary relief