Consumer complaint received 2023-01-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the information and the furnisher could not provide sufficient proof to prove their reporting. 1.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO XXXX XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists XXXX Account XXXX Account XXXX This is not mine. XXXX following account is not mine XXXX Account XXXX XXXX Account XXXX  Account Number : Please Update all payment, all pay was made on time. XXXX Account XXXX Account XXXX : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. XXXX Account XXXX Account XXXX : Please investigate and delete from my credit report. XXXX Account XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA XXXX. XXXX REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA XXXX. XXXX. Take care of this immediately XXXX Account XXXX  XXXX Account Number : Please remove it from my credit report. XXXX Account XXXX XXXX Account XXXX : Please remove it from my credit report. XXXX Account XXXX  Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the XXXX law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the XXXX does allow for limited information about me but any details XXXX only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and XXXX authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- XXXX am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t XXXX Account XXXX XXXX Account XXXX : Please remove inaccurate reported late payments update to paid as agreed XXXX Account XXXX  XXXX Account Number XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO XXXX XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists XXXX Account XXXX  Account Number : Please ensure that all information is accurate XXXX Account XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX XXXX my presume that no proof of the alleged debt nor therefore any such debt in fact exists XXXX Account XXXX XXXX  Account Number : Please ensure that all information is accurate XXXX Account XXXX Account Number : Please remove it from my credit report. XXXX Account XXXX Account XXXX : Please supply information on how you have verified this item. XXXX Account XXXX  XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. XXXX Account XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed XXXX Account XXXX XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the XXXX law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the XXXX does allow for limited information about me but any details XXXX only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and XXXX authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- XXXX am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t XXXX Account XXXX  Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the XXXX law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the XXXX does allow for limited information about me but any details XXXX only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and XXXX authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- XXXX am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t XXXX Account XXXX  XXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 XXXX Reporting Format Standard ( XXXX ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement and all of its trailing fragments, and any other necessary aspect of factual reporting! XXXX Account XXXX Account Number : Please removed from my public record XXXX Account XXXX XXXX Account XXXX My parent has the same name as me. XXXX Account XXXX Account XXXX Please supply information on how you have verified this item. XXXX Account XXXX Account Number : XXXX XXXX following account is not mine XXXX Account XXXX Please Update all payment, all pay was made on time. XXXX following account is not mine XXXX Account XXXX Please Update all payment, all pay was made on time. 

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 XXXX XXXX XXXX. 

has violated my rights. 

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.

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation