Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Opt Out Request XXXX XXXX XXXX XXXX, MI XX/XX/XXXX  Notice to principal is notice to agent. 
Notice to agent is notice to principal. 


Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you ( Equifax, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Including but not limited to Written, Non-Written, Verbal and nonverbal. - per 15 USC 6802 Account Name : XXXX XXXX  ACCOUNT NUMBER : XXXX Account Name : XXXX  XXXX ACCOUNT NUMBER : XXXX Account Name : XXXX XXXX ACCOUNT NUMBER : XXXX Account Name : XXXX XXXX ACCOUNT NUMBER : XXXX Account Name : XXXX  ACCOUNT NUMBER : XXXX Account Name : XXXX ACCOUNT NUMBER : XXXX Account Name : XXXX ACCOUNT NUMBER : XXXX Account Name : DEPT of EDUC/XXXX  ACCOUNT NUMBER : multiple account numbers I, XXXX XXXX XXXX, am notifying you in writing that I refuse to pay this alleged debt ( s ), and I am demanding that you cease all forms of communication with me through any and all mediums UNLESS it pertains to my remedy in writing via mail pursuant 15 USC 1692c. ( c ). 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or I, as a federally protected consumer, am invoking my specified remedy as a consumer, and the debtor, I hereby demand all of the following : 1. Pursuant 15 U.S. Code 1666d, whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall A. credit the amount of the credit balance to the consumers account. 
B. refund any part of the amount of the remaining credit balance, upon request of the consumer ; and C. make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone ; means AND in law 1026.17 is part of 12 CFR Part 1026 ( Regulation Z ). Regulation Z protects people when they use consumer credit. CFR https : XXXX XXXX CFR 1026.21 - Treatment of credit balances. 

2. Pursuant 12 CFR 1026.13 : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer. I hereby demand that all future coupons be sent to my place of abode, as listed on the account in question, in the form of a check, from DATE OF OPENED ACCOUNT, current, and future payments. 
pursuant to 12 CFR 1026.13 they have to mail you something, so you dont want you cease and desist NOT conditional - *NOTICE OF ACKNOWLEDGMENT* Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. 

Your prompt attention and response are both requested and required. 

XXXX : XXXX, executor, consumer, debtor, and legal Date representative of [ XXXX XXXX XXXX ] UCC 1-308 All Right Reserved

Company response to consumer: Closed with non-monetary relief