Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX and THIS IS NOT A THIRD PARYY Service I am disputing the following accounts and DEMAND they be removed immediately FOR VIOLATING THE FOLLOWING FCRA LAWS I request the originally and wet signature agreement to all of these accounts and if they can not be provided under FCRA LAW they are to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to inform you of my rights under 15 U.S.C. 1681 section 602 A, which states that I have the right to privacy. This means that, as a consumer, I have the right to be protected from the unauthorized collection, use, and disclosure of my personal information.

Furthermore, according to section 604 A section 2, a consumer reporting agency can not furnish any information about my account without my written instructions. This means that I have the right to control who has access to my personal information and financial records.

I DO NOT GIVE YOU CONSENT TO REPORT THESE ACCOUNTS DELETE THEM IMMEDIATELY OR FACE IMMEDIATE LAWSUIT I am writing to dispute the accounts listed below, which are being illegally reported to my credit by the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe that each of these companies is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I am therefore considering taking legal action against them unless they take immediate action to correct the errors in my credit reports. 

The first account in question is the XXXX from XXXX XXXX XXXX. According to XXXX U.S.C. 1681b, it is illegal for a consumer reporting agency like XXXX to furnish any information about a consumer 's creditworthiness, credit standing, or credit capacity without the express consent of the consumer. In this case, it appears that XXXX has reported a collection account to my credit without my permission, in violation of the FCRA. 

The second account in question is thXXXX XXXX XXXX XXXX XXXXXXXX. Under 15 U.S.C. 1681c-1, it is illegal for a creditor likXXXX XXXX XXXX  XXXX report any information about a consumer 's creditworthiness, credit standing, or credit capacity to a consumer reporting agency unless the creditor has a permissible purpose for doing so. In this case, it appears that XXXX XXXX  has reported this account to my credit without a permissible purpose, in violation of the FCRA. 

The third account in question is the XXXX XXXX XXXX # XXXX. According to 15 U.S.C. 1681c-1, it is illegal for a consumer reporting agency like XXXX XXXX to report any information about a consumer 's creditworthiness, credit standing, or credit capacity that is outdated, incomplete, or inaccurate. In this case, it appears that XXXX XXXX has reported this account to my credit with outdated, incomplete, or inaccurate information, in violation of the FCRA. 

The fourth account in question is the XXXX XXXX XXXX # XXXX. Under 15 U.S.C. 1681b, it is illegal for a consumer reporting agency like XXXX XXXX to furnish any information about a consumer 's creditworthiness, credit standing, or credit capacity without the express consent of the consumer. In this case, it appears that XXXX XXXX has reported this account to my credit without my permission, in violation of the FCRA. 

I therefore demand that each of these companies immediately take action to correct the errors in my credit reports and to remove the disputed accounts from my credit file. If they fail to do so, I reserve the right to take legal action against them, including the pursuit of damages for any harm that I have suffered as a result of their violations of the FCRA. 

I am writing to demand detailed information about the investigation into my credit report, which I believe may contain errors or inaccuracies. Under section 611 of the Fair Credit Reporting Act ( FCRA ), I have the right to obtain a complete and accurate report of the steps taken by the consumer reporting agency during the investigation of any disputed information in my credit file.

Specifically, I am requesting the following information : The name, address, and telephone number of the person or office responsible for conducting the investigation.

The date on which the investigation was initiated.

A complete and detailed description of the steps taken during the investigation, including the methods and sources used to verify the accuracy and completeness of the disputed information. 
The date on which the investigation was completed. 
A copy of the consumer report that was provided to me after the investigation was completed, along with a description of any changes or corrections that were made to the report as a result of the investigation. 

I expect to receive this information within 15 days of the date of this letter, as required by the FCRA. If I do not receive a satisfactory response to my request, I reserve the right to take legal action against the consumer reporting agency, including the pursuit of damages for any harm that I have suffered as a result of any errors or inaccuracies in my credit report.

Company response to consumer: Closed with explanation