Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the following information that appears on my Equifax report from XX/XX/2022. After sending my last letter on XX/XX/2022. I have not been I giving documentation upon your investigation. I am asking you delete/ correct these negative.. As reporting inaccurate items are in violation to my consumer rights according to 15 USC 1681 a XXXX accuracy and fairness of Credit reporting. I hope we can resolve this matter amicably or I intend to file this matter to the Federal Trade Commission. Below are items I need validate with shown written proof of signed contracts and reports to the address above within XXXX business days upon receiving. If this is not done in this manner, I am requesting you to delete these inaccurate reports on my credit report immediately. 
XXXX XXXX XXXX XXXX reporting inaccurately late payments. This is in violation of 15 USC 1681 ( a ) ( XXXX ) a consumer report does not include transactions. Also in violation of XXXX XXXX XXXX ( b ) a letter stating a grace period XXXX  days before the statement date. I did not receive a letter stating this information above from XXXX XXXX. 
Capital XXXX auto finance reports inaccurately late payments in violation to 15 USC 1681 ( a ) ( XXXX ). 
CB/WAYFAIR credit card account. This is in violation of 15 USC 1681 ( a ) ( XXXX ) a consumer report does not include transactions. Also in violation of 15 USC 1666 ( b ) a letter stating a grace period 21 days before the statement date. I did not receive a letter stating this information above from XXXX XXXX 
XXXX account for a XXXX collection {$320.00} The original creditor is Unknown. 
Please provide a breakdown of fees including any and all collection cost and XXXX charges. As well, please provide a copy of my signature with the provider of my signature to release my medical information to you. If you do not comply, this account is in violation of my consumer right 15 USC 1681 ( XXXX ) which restricts sharing my medical information. Which means my HIPPA rights are currently being violated as my medical information is being disclosed without my knowledge. Immediately cease any credit report bureau reporting until you can validate this debt. In your, response you have failed to do so in the 30 days allotted to you. According to FDCPA and HIPPA collection laws the requested information above of this matter of your discretion to provide, you must comply with my request. In failure to do so you are violating my consumer rights. 
Collection account from XXXX XXXX XXXX {$860.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. 
Please provide a breakdown of fees including any and all collection cost and medical charges. As well, please provide a copy of my signature with the provider of my signature to release my medical information to you. If you do not comply, this account is in violation of my consumer right 15 USC 1681 ( XXXX ) which restricts sharing my medical information. Which means my HIPPA rights are currently being violated as my medical information is being disclosed without my knowledge. Immediately cease any credit report bureau reporting until you can validate this debt. In your, response you have failed to do so in the 30 days allotted to you. According to FDCPA and HIPPA collection laws the requested information above of this matter of your discretion to provide, you must comply with my request. In failure to do so you are violating my consumer rights.

Company response to consumer: Closed with explanation