Consumer complaint received 2023-08-20
Company: EQUIFAX, INC.
State: MD
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:
To Whom It May Concern:
This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my
consumer credit report from the Corporation and your financial agency. This report was lawfully obtained by me, through the
declaration of the rights granted to consumers under the Fair Credit Reporting Act.
 The Fair Credit Reporting Act has specific requirement for the accurate reporting of an item when it appears on a consumers credit
report.
1. THE ACCOUNT IS IN VIOLATION OF U.S CODE 1981a(4) CONSUMER RIGHT TO PRIVACY. THIS
BANKRUPTCY SHOULD NOT BE ON MY CREDIT/CONSUMER REPORT XXXX XXXX  Bankruptcy
 Case Number: XXXX   THE BANKRUPTCY COURT TOLD ME THAT THEY DO NOT FURNISH THIS INFORMATION TO ANY
CREDIT REPORTING AGENCIES. THIS IS A VIOLATION OF Fair Credit Reporting Act, 15 U.S.C.  1681g
AND WITH THAT I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL THE DOCUMENTS
THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILES AT THE TIME OF THIS REQUEST
CONCERNING THIS ACCOUNT THAT YOU ARE REPORTING IN MY CREDIT REPORTA
2. These inquiries were not authorized by me and I would like them to be removed ASAP XXXX
 Date of inquiryXXXX XXXX
 Please remove it from my credit report.
3. Account involved in litigation "an incorrect high balance" an inaccurate date of last activity "REAGED
ACCOUNTS" "Reinsertion WITHOUT PROPER NOTICE" an undated late pay a charge off listed as open a
collection account with a limit. XXXX XXXX XXXX   Account Number: XXXX
 Please remove it from my credit report.
4. FDCPA section 807 violation misleading false reporting.
 XXXX
 Account Number: XXXX   Please remove it from my credit report.
5. You are in violation of 15 U.S Code 1692j. Furnishing certain deceptive forms I am not participating in the
collection of this alleged debt. Cease and desist asap.
 XXXX XXXX XXXX
 Account Number: XXXX
 Please remove it from my credit report.
6. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE
REMOVED IN 4 DAYS 15 USC 1681C-2
 XXXX
 Date of inquiry: XXXX
 Please ensure that all information is accurate. If not proven delete this immediately.
7. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE
REMOVED IN 4 DAYS 15 USC 1681C-2
 XXXX
 Date of inquiry: XXXX
 Please ensure that all information is accurate. If not proven delete this immediately.
8. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE
REMOVED IN 4 DAYS 15 USC 1681C-2
 XXXX XXXX
 Date of inquiry: XXXX   Please ensure that all information is accurate. If not proven delete this immediately.
9. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE
REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX
 Date of inquiry: XXXX
 Please ensure that all information is accurate. If not proven delete this immediately.
10. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE
REMOVED IN 4 DAYS 15 USC 1681C-2
 XXXX XXXX   Date of inquiry: XXXX   Please ensure that all information is accurate. If not proven delete this immediately.
11. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE
REMOVED IN 4 DAYS 15 USC 1681C-2
 XXXX
 Date of inquiry: XXXX
 Please ensure that all information is accurate. If not proven delete this immediately.
12. You are in VIOLATION of the 15 USC 1666B. This is a billing error always paid as agreed on time this is
an error this account in violation.
 XXXX XXXX
 Account Number: XXXX
 Please correct/update this inaccurate information on my credit report.
13. You are in VIOLATION of the 15 USC 1666B. This is a billing error always paid as agreed on time this is
an error this account in violation. XXXX XXXX
 Account Number: XXXX
 Please correct/update this inaccurate information on my credit report.
14. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN
ERROR THIS ACCOUNT IN VIOLATION
 XXXX   Account Number: XXXX
 PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE
THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA
623(a)(2)(B)
The Fair Credit Reporting Act specifically details that all items within a consumers credit report
must be reported with 100% accurate information (not 99.9% or less), must be 100% verifiable
(not 99.9% or less), must be 100% complete information (not 99.9% or less), and must only be reported during the allowable
reporting periods as detailed in the Act for the specific item as it appears. Given your previous irrelevant responses and the fact that
the above account keeps coming back to me as Verified, you must have proof that it is, in fact, reporting lawfully. So therefore,
please provide such proof, as defined by law, in which you must have on file that would assert to the lawful reporting of the above
account and that this item does not violate the Fair Credit Reporting Act as detailed above. Please provide proof that the information
as contained on the reported trade- line is in fact 100% Accurate, Complete, Verifiable, AND Timely. Please do not provide some
generic print-out or some generic statement as this would insult my intelligence as an educated individual and would further
perpetrate the continual acts of wrongdoings by your company as detailed in numerous consumer studies and reports.
There is clearly already a problem with the system as it is. In fact, one recent consumer study
proved that over 79% of consumer credit reports contain errors. Another report shows that more than 90% contain errors. Why does
your company continue to operate with such low standards of success?
My request as indicated above is lawful and justified. As advised by my counsel, an itemized report detailing that the reporting of
this item is not violating my constitutional rights is hereby requested. The continued reporting of this item in its negative state is
causing me severe financial and emotional distress. If I must pursue litigation to protect my rights as granted under the Fair Credit
Reporting Act, Fair Debt Collection Practices Act, Fair and Accurate Credit Transactions Act, Fair Credit Billing Act, RICO, SSCRA,
as well as any other statutes and/or laws that would apply to me and my circumstances, then I am fully prepared and willing to take
any and all necessary measures to do so. I formally request the immediate deletions of these items, as it is not complying
with the above-mentioned laws and/or acts.
Your companys continued reporting of this derogatory item will be considered willful noncompliance due to the previous notifications and your continued disregard of the law. A precedent has certainly been set by the
flagrant disregard to accuracy as displayed in the consumer study results. So if litigation is necessary a pro-se representation will
be prepared, and a formal jury trial will be requested. Please respond in a timely fashion, within 30 days or less, to avoid any
unnecessary legal expenses.
I have filed an attorney general complaint reporting your ignorance in processing this request and greeting
your mistakes CORRECTED. 
**ATTACHED HEREWITH A CERTIFIED COPY OF THE LETTER SENT TO ATTORNEY GENERALS
OFFICE
Sincerely, XXXX XXXX 
CC:XXXX XXXX  Assistant Director of Enforcement Consumer Financial Protection
Bureau1700 G. Street NW Washington, D.C. 2055
CC: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau via fax XXXX XXXX
CC: Attorney Generals Office
CC: XXXX XXXX XXXX  CC: State Senate
CC: Federal Deposit Insurance CorporationCC: Comptroller Of The Currency
CC: Federal Reserve System
CC: Credit and insurance
CC: Federal Trade Commission
CC: State Regulatory agenc

Company response to consumer: Closed with explanation