Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/XXXX To Whom it XXXX Concern. 

I, XXXX XXXX a person, non-adverse, non-belligerent, non-combatant party and executer with full life, In accordance with the 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 Listed accounts XXXX XXXX XXXX. 
Account # - XXXX Date Opened - XX/XX/XXXX. 


XXXX XXXX 
Account # XXXX Opened XXXX XXXX - Charge Off Closed ( items labeled incorrectly derogatory, Should be marked Paid off ) A more detailed list is provided.. in the attached files. 

XXXX XXXX Account # XXXX Opened On - XX/XX/XXXX - Charge Off XXXX XXXXXXXX Account # ( XXXX ) Date Opened- XX/XX/XXXXXXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX - Charge Off It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the data breach. 
I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 15 U.S.C 1681 section 602 A. States, I have the right to privacy. 15 U.S.C. 1681 ( a ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 15 U.S.C 1681b ( a ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. Accounts AS Follows.. ( of which are all Listed in the attachments ) personal information is incorrect DELETE INVALID INACCURATE ADDRESS : XXXX XXXX XXXX XXXX XXXX ( Listed in attachments ) ALL inquiries as not authorized ( detailed list included XXXX the attachments ) Please remove it from my credit report. Block and remove it all.. UPDATE TO PAID AND BLOCK The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 

The following personal information is incorrect Account Number : EMPLOYER : COMPANY : XXXX XXXX XXXX XXXX 


And all other listed accounts.. 



I also demand Removal of Extended Fraud Alerts from credit profile EQUIFAX, XXXX, XXXX EQUIFAX, XXXX, XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) and breaking several other federal laws. EQUIFAX, XXXX, XXXX is reporting late payments on my consumer credit report that have not been verified at all before reporting them to my credit report. EQUIFAX, XXXX, XXXX is not abiding by the laws before reporting things to my credit report. They are also in violation of the Gramm-Leach Bliley Act ( XXXX XXXX 

This has effected my credit score and utilization rate making it hard for me to obtain credit. I have never received any adverse action letters or statements which by law I should have received a letter 45 days prior to them making the decrease on my account. Congress makes it clear that I have a RIGHT TO PRIVACY as a federally protected consumer! XXXX XXXX has violated and disrespected my right to privacy which is a direct violation of the FCRA and the Gramm-Leach-Bliley Act! I did not consent or authorize for XXXX XXXX XXXX to use or share my nonpublic personal information. They have violated my privacy to their benefit with no benefit to me or my account. Please be clear that no consent or authorization is IDENTITY THEFT! XXXX XXXX willful noncompliance has resulted in identity theft which I demand to Cease and Desist! 



I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency.

( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. 

I have been disputing inaccurate payment history with the bureaus for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX for over 3 years Along with a few other others. They continue to furnish unfair credit reporting which undermines my confidence as a consumer. In effort to monitor my credit report, I requested copies through annualcreditreport.com and was not able to pull reports due to unknown conditions. The CRAs were contacted in request for full reports, and they continue to fail in providing a full report as requested. I must pay for reports from other service providers to monitor and find adverse information is reporting. Recent report shows two-year history, but the CRAS exceed the history by reporting XXXX years history or more. Previous reports show payment was received, I have provided dispute letters on several attempts, the bureaus have continued in response stating the late payments were verified without providing proof, updated the account with incorrect payment history and failed to provide updated reports following the results. The CRAs deliberately are making every attempt to XXXX my character by portraying me as a financially irresponsible consumer. 
They have not responded to all complaints I have sent, and I did not provide written permission to furnish the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and their erroneous reporting is hindering my financial circumstances with reporting unfair and inaccurate payment history on my credit report. This is preventing me from obtaining a mortgage and other financial services as a responsible consumer to ensure housing stability for myself, my family and pursuing business goals. It seems like they are only interested in targeting consumers and destroying lives because they havent even conducted nor provided results in response to my letters in a timely manner for a proper investigation. The CRAS denied me right to a reinvestigation and stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate, last balance is inaccurate. Every time I dispute, I receive retaliation in response from the CRAS with adverse reporting late payments were reported 30 days now reporting 60 days late after filing complaints. Every day they continue to provide false information on my report only affects me as the consumer. They could care less about the consumer just to make a few bucks to furnish accounts whether the information is accurate or not. The CRAs are running a numbers business and not a legitimate business. The CRAs have violated my rights and need to be held accountable for their actions. I sent a letter off to the CRAs on several occasions to remove variations of my name as there should not be any variations my only name used is XXXX XXXX. Included with this and all previous letter were copies of my state ID, SS card, and a utility bill to remove personal information that I dont want on my credit report nor use to establish credit, any other variation is fraudulent. According, to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802. No financial institution shall share my information to third parties without written consent. These are clear violations of my federally protected consumer rights. Also, the CRAS took more than 30 days to complete my investigation i am in possession of all of my letters, complaints and certified mail tracking number # XXXX etc. disputing the information above again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX In accordance with the fair Credit Reporting Act the CRAs have violated my rights 15 U.S. Code 1681 section 602 A. States I have the right to privacy 15 U.S. Code 1681 section ( 604 ) 602 A Section 2 states a consumer reporting agency can not furnish an account without written instruction. 15 U.S. Code 1666 ( a ) ( b ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason FCRA 611 ( a ) ( 1 ) ( a ) ( b ) Reinvestigation is required when the consumer notifies the consumer reporting agency disputing that the information reported is inaccurate and provides documentation proving so it must be update or deleted.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report.

My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions.

This is not a new complaint. I have been complaining since i can remember on all of the accounts listed. They ( The accounts in? ) have Been reporting to XXXX XXXXXXXX XXXX XXXXXXXX, EQUIFAX XXXX XXXX and XXXX XXXX XXXX XXXX Credit Bureau as an " Adverse Action '', when " no money '' have ever been transacted. They have all been XXXX my XXXX Consumer report with inconsistency dates as if I made a purchased, reporting late payments, closed accounts and reporting " adverse action '', since as early as XXXX for some.. It was noted to be remove off the Consumer Report but never happened... Why IS CFPB ALLOWING THIS. 



Ive closed and cashed out this credit card and Im still being harassed and threatened causing me stress through emails.. under title 15 1692k Im eligible for compensation due to there violations upon me as a consumer CFPB PLEASE!! See to it that ALL CRAS ARE TO REMOVE!! ANY AND ALL FRAUD ALERTS, MESSAGES, ALERTS, INDICATORS AND EXTENDED FRAUD ALERTS.

Where is the SSA-89 form stating I gave you permission to share my information ; if I remember correctly, it states its a one time transaction and expires after 90 days.!?

Company response to consumer: Closed with explanation