Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: FL
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:
Upon receiving a copy of my credit report, I aimed to improve my credit and fulfill my responsibilities. However, I noticed certain accounts that required further clarification regarding their accurate reporting. While I am uncertain about their accuracy, I came across the Fair Credit Reporting Act that allows me to dispute any inaccuracies in my report. Since some of the reporting entities are unfamiliar to me, I am reaching out to seek your assistance. 

I am aware of a provision in the 15 U.S.C. Sec. 168li ( a ) that requires the removal of accounts that can not be substantiated with proof. I request that you investigate and delete these accounts if they are not verifiable or correct. As per the regulations mentioned on a Credit Site and Board, I understand that you have 30 days to complete this investigation. I urge you to verify or remove the accounts in question promptly. 
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 a account without my written instructions. 
Open Accounts : Account NameXXXX XXXX Account XXXX Cancel contract. Please provide the original contract or delete US DEPARTMENT OF EDUCATION XXXX XXXX Cancel contract. Please provide the original contract or delete. 

US DEPARTMENT OF EDUCATION XXXX XXXX Cancel contract. Please provide the original contract or delete. 

US DEPARTMENT OF EDUCATION XXXX XXXX Cancel contract. Please provide the original contract or delete. 

US DEPARTMENT OF EDUCATION XXXX XXXX Cancel contract. Please provide the original contract or delete. 


ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. 
inaccurate address.delete immediately. 

XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. 
inaccurate address.delete immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX. 
inaccurate address.delete immediately. 

XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX inaccurate address.delete immediately. 

XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX inaccurate address.delete immediately. 

XXXX XXXX XXXX FL XXXX, XXXX, NJ XXXX inaccurate address.delete immediately. 

XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX inaccurate address.delete immediately. 

XXXX XXXX XXXX, XXXX, FL XXXX inaccurate address.delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX  NJ, XXXX inaccurate address.delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX inaccurate address.delete immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX, XXXX NJ, XXXX inaccurate address.delete immediately. 

XXXX XXXX XXXX, XXXX FL, XXXX inaccurate address.delete immediately. 

XXXX XXXX XXXX XXXX, XXXX NJ, XXXX inaccurate address.delete immediately. 

XXXX XXXX XXXX, XXXX NJ, XXXX inaccurate address.delete immediately. 

Inquiries : XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX DE, XXXX never requested. delete. 

Phone Numbers : ( XXXX ) XXXX no affiliation, delete. 

( XXXX ) XXXX no affiliation, delete. 

( XXXX ) XXXX no affiliation, delete.

Company response to consumer: Closed with explanation