Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: NC
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:
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. The following personal information is incorrect Incorrect Address : XXXX XXXX XXXX XXXX XXXX VA, XXXX XXXX. The following personal information is incorrect Incorrect Address : XXXX XXXX XXXX XXXX VA, XXXX XXXX. Did not consent to unauthorized inquiry. 
XXXX XXXX Inquired on : XX/XX/XXXX Please Remove It From My Credit Report. 

4. Did not consent to unauthorized inquiry. 
XXXX XXXX Inquired on : XX/XX/XXXX Please Remove It From My Credit Report. 

5. Did not consent to unauthorized inquiry. 
XXXX XXXX  Inquired on : XX/XX/XXXX Please Remove It From My Credit Report. 

6. Did not consent to unauthorized inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please Remove It From My Credit Report. 

7. Did not consent to unauthorized inquiry. 
XXXX Inquired on : XX/XX/XXXX Please Remove It From My Credit Report. 

8. Did not consent to unauthorized inquiry. 
XXXX XXXX Inquired on : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX. Did not consent to unauthorized inquiry. 
XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX. Did not consent to unauthorized inquiry. 
XXXX XXXX Inquired on : XX/XX/XXXX Please Remove It From My Credit Report. 

11. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Validate/inaccurate reported late payments. 

12. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. 
XXXX  XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

13. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. 
XXXX  XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

14. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. 
XXXX  XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

15. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. 
XXXX  XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

16. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. 
XXXX  XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

17. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. 
XXXX  XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

18. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. 
XXXX  XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

19. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. 
XXXX  XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

20. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. 
XXXX  XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

21. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. 
XXXX XXXX  Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

22. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. 
XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

23. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

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.

Company response to consumer: Closed with explanation