Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: NC
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:
I sent a letter to Equifax, XXXX, and XXXX on XX/XX/2022 here are the tracking numbers " XXXX '' " XXXX '' " XXXX '' 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. 

XXXX : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : that 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

Accounts that have violated my rights with XXXX : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Account Name : XXXX Account Number : XXXX Please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Equifax 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

Accounts that have violated my rights with Equifax : Account Name : XXXX XXXX XXXX XXXX XXXX : {$700.00} Please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXX : {$2700.00} Please remove it from my credit report. 

Account Name : - Account Number : XXXX Please remove it from my credit report. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX Accounts that have violated my rights with XXXX : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

I have never given any one of these accounts my written instructions to put these accounts on my credit. This and other laws in the fair credit act have been broken. 

Please delete the inaccurate address on file, such as XXXX XXXX XXXX XXXX, XXXX, NC XXXX. This should be removed because it is inaccurate. 

Please mail the updated report after deletions to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation