Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Violated the United States Code Law ( FCRA 15 U.S Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ) and ( FCDCPA 15 U.S Code 1692e. False or misleading representations ) FCRA 15 U.S Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute if the completeness oraccuracy of any information furnished by any person to any consumer reporting agency I disputed to such person by a consumer, the person may not furnish theinformation to any consumer reporting agency without notice that such information is disputed by consumer.

Under FCRA 15 U.S Code 16812-2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you haven't notated is as disputed. You cause me tolose out on offers due to reporting this inaccurate item and not rotating it was disputed.

15 U.U Code 1692e. False or misleading representation- ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

Under FDCPA U.S Code? 1692e. False or misleading representation- ( 8 ) you allowed this debt collector to violet my right. I disputed these items inaccurately over35days ago and you haven't notated is as disputed. Which cause me to lose out on offers due to reporting this inaccurate item and not rotating it was disputed.

The items below should all be removed from my consumer report under 12 USC1681s-2 ( 3 ) and 15 USC 1692e ( 8 ) violations. Violated the United States Code Law ( FCRA 15 U.S Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ) and ( FCDCPA 15 U.S Code 1692e. False or misleading representations ) FCRA 15 U.S Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute if the completeness or accuracy of any information furnished by any person to any consumer reporting agency I disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Under FCRA 15 U.S Code 16812-2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you haven't notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not rotating it was disputed.

15 U.U Code 1692e. False or misleading representation- ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

Under FDCPA U.S Code? 1692e. False or misleading representation- ( 8 ) you allowed this debt collector to violet my right. I disputed these items inaccurately over 35 days ago and you haven't notated it as disputed. Which cause me to lose out on offers due to reporting this inaccurate item and not rotating it was disputed.

The items below should all be removed from my consumer report under 12 USC1681s-2 ( 3 ) and 15 USC 1692e ( 8 ) violations.

Company response to consumer: Closed with explanation