Consumer complaint received 2023-02-05
Company: EQUIFAX, INC.
State: SC
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:
Date : XX/XX/XXXX. Company : XXXX Collect, Account # XXXX. 
Has been reporting. On my consumer report for a medical debt violating my privacy rights as established by the FCRA and my HIPPA rights as well as the PRIVACY ACT 1974. They have purchased my personal information from XXXX XXXX Services. The amount of {$160.00} which is under {$500.00} and not to mention I the consumer has never sign any contract with XXXX COLLECT. I've asked this company for proof of contract with XXXX and never received. But yet they continue to report to my consumer file. I the consumer has never signed any contract with them. 15 United States Code subsection 1681b ( C ) states they are in violations of my consumer rights. Under this section SCA is not in compliance with the Law which states : ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance. 45 CFR Subsection 60.7- Reporting medical malpractice payments. 15 U.S. Code 1681e SCA is not in compliance. states : ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. No permission was given to XXXX to gather my information nor to share it with a third party which is XXXX and EQUIFAX reporting agencies. XXXX COLLECT has sent me a letter from the original creditor as their proof for validation which does not prove in owe XXXX COLLECT which is fraud they are saying i owe them {$160.00} with no proof of contract.

Company response to consumer: Closed with explanation