Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: TX
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:
As a natural person with rights under 15 USC 1681, I would like to file a formal complaint regarding the following items on my credit report that are in violation of the Fair Credit Reporting Act and my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The consumer reporting agencies are governed by 15 USC 1681 and have repeatedly violated my rights. I demand that the accounts listed below be immediately deleted from my report in accordance with the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S.C 1681 section 602 A, I have the right to privacy, and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that 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. 

Moreover, the consumer reporting agencies have violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ), which prohibits creditors from failing to reflect a payment made by the obligor or a credit issued to the obligor, and from making a computation error or similar error of an accounting nature on a statement. Since the creditor did not notify me 21 days before with a statement, there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late, as this is clearly a billing error. The account listed below should be updated as agreed on my consumer report. 

XXXX XXXX Account # XXXX If these accounts are not updated immediately, I will seek monetary compensation for the violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. I have already submitted this complaint to the Complaint portal for the State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

Furthermore, I did not authorize the following companies to access or pull my credit report. These inquiries are fraudulent, and I demand that they be removed immediately : XXXX  XXXX XXXX XXXX XXXX, XXXX FL , XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE CONTACTED THESE COMPANIES AND THEY HAVE NO PROOF THAT I HAVE AUTHORIZED THESE INQUIRIES OR PERMISSIBLE PURPOSE.THESE INQUIRIES NEED TO BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation