Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice and Demand by Written Communication I am a law-abiding, federally protected consumer, as defined by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681a ( c ). XXXX, Equifax, and XXXX are each a consumer reporting agency, as defined by the FCRA, 15 USC 1681a ( f ), and therefore are all permitted to report fair and accurate information, with respect to my privacy as the consumer and in accordance with my written instructions. I have reviewed my credit report and noticed several items which cause me to believe that you and your co-workers may have committed several violations against me. Each violation has a statutory cost of up to {$1000.00} each, which does not include my personal cost of mental anguish, emotional distress, or fees which I determine for taking time to address these issues and material allegations. 
I accept that at all times, XXXX, Equifax, and XXXX each act by and through its agents, servants, and/or employees who are acting within the course and scope of their agency or employment, and under the direct supervision and control of their respective employers for which the above-named Chief Executive Officers are the ultimate authority, respectively, and are therefore the responsible party for all damages.

As the consumer, natural person, and owner of the authentication features ( per 18 USC 1028 ( d ) ( 1 ) ) used to identify my consumer report, these are my written instructions, pursuant to 15 USC 1681b ( 2 ) : 1. Personal Information The proper spelling of my name is XXXX XXXX XXXX, remove all other variations immediately as they are not accurate and in order to use my name in any form, for any purpose, you must provide me with proof that you have obtained my prior, express, written consent to do so. All rights reserved re common-law copyright of trade-name/trademark XXXX XXXX XXXX, as well as any and all derivatives and variations in the spelling of said trade-name/trademark, not excluding XXXX XXXX XXXX Common Law Copyright 2007 by XXXX XXXX XXXX. Said trade-name/trademark, XXXX XXXX XXXX may neither be displayed, nor used, nor reproduced, in whole, nor in part, nor in any manner whatsoever, without my prior, express, written consent and acknowledgment as signified by my signature in red ink. 
You are only authorized to address me at my Private Mailing Location in the following format and in no other : [ XXXX XXXX XXXX ]. 
XXXX XXXX XXXX XXXX XXXX XXXX Post-office XXXX 
Private Mailing Location # XXXX. 
XXXX XXXX XXXX. [ RR XXXX ] near XXXX. Pennsylvania. 
Non-domestic, Non-resident, Non-assumpsit. 
Zip code exempt, without the United States. 
All other addresses are fraudulent, inaccurate and must be removed immediately! 
Immediately remove ALL employers from my credit report, for the protection of my privacy. 
XXXX. Remove the following accounts and unauthorized inquires for inaccurate and unlawful reporting : XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXXXXXX 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 XXXXXXXX ) *** PLEASE DELETE ALL UNAUTHROIZED INQUIRES *** I do not recognize any of the above-listed account numbers, and while many of the accounts appear to be the same or similar across all three bureaus, there is consistent misrepresentation of dates and there are inaccuracies in the data reported by each bureau for the accounts which appear to have the same account numbers and account-holders. This gives cause for the reasonable belief that my consumer report is fraudulently furnished with mis-merged or mixed files which is a violation of my rights and causes harm to me. 

Be advised that this is not a request for validation of debt, this is a Notice and Demand. You are noticed that I am a consumer, natural person, living spirit, and that I am not responsible for any of the above-listed accounts OR inquires nor am I a party to any contract that you or your agency may have with any of the above-listed account holders. Neither you nor any of the above-listed account OR inquires holders have, now or ever, received my express, written consent to use my private property, XXXX XXXX XXXX XXXX and any and all derivatives thereof, for any purpose whatsoever, making you severally and jointly liable for the theft and unlawful use of my identity as well as for every fraudulent action and transaction related to the identity theft, as defined at 15 USC 1681a ( q ) ( 3 ).

If you wish to resolve this matter, this will be your best opportunity to do so. The above-listed items must be deleted from my consumer report and credit file within 72 hours or by XX/XX/XXXX. You must forward to me a letter stating that these items have been removed and will not appear on my credit reports again, and I require that this letter contain the wet-ink signature of a natural person, otherwise, such letter will be evidence of willful and negligent violation of 15 USC 1681g ( a ) ( 3 ) ( A ) due to failure to clearly and accurately disclose the identification of each and every person that has procured my consumer report.

Once you have deleted this information, please mail me a complete and accurate copy of my consumer report AND a copy of my credit file, as prescribed by federal statute. You are only authorized to send me a report with all of the updates demanded herein this Notice, anything else will be considered willful and negligent violation of my rights, including but certainly not limited to : 15 USC 1681g ( a ) ( 1 ) by failure to clearly and accurately disclose all information in my file ; 15 USC 1681e ( b ) by failure to follow reasonable procedures to assure maximum possible accuracy of my credit reports ; 15 USC 1681 ( a ) ( 1 ) ( A ) by failure to conduct a reasonable investigation to determine whether the dispute information was inaccurate or incomplete ; 15 USC 1681b ( f ) ( 1 ) by obtaining my consumer report for a purpose other than as authorized ; 15 USC 1692e ( 2 ) ( A ) - False representation of the character, amount, or legal status of any debt 15 USC 6821 as you are a financial institution, as defined at 15 USC 6827 ( 4 ) ( B ), and you are in violation of my privacy ; 18 USC 1028- Fraud and related activity in connection with identification documents, authentication features, and information ; 18 USC 1028A- Aggravated identity theft ; 18 USC 241- Conspiracy against rights ; 18 USC 242- Deprivation of rights under color of law ; Furthermore, I do not wish to have my name, address, telephone number, credit file, or other information sold or traded with any marketers. In addition, do not allow any credit issuers to prescreen my credit file for credit offers. I am demanding that all information that relates to or identifies me and my accounts remain private. Please remove my name, address, and credit profile from your marketing lists to ensure the protection of my privacy rights and to prevent them from continuous violation. I have endured more than enough suffering due to inaccurate and fraudulent consumer reporting, including mental distress, emotional distress, financial hardships, and loss of opportunities. 

I require that all mail correspondence be addressed to my Private Mailing Location in the exact format contained within this Notice as any other format would be unlawful use of my property and fraudulent change of address for which you agree to accept full liability as you expose yourself as the one responsible for the fraudulent activities that have caused harm to me and have been adverse to my interests as a consumer. Take Notice that I will not hesitate to file a formal complaint with the Federal Trade Commission, State Attorney General, and the XXXX XXXX XXXX, and that I fully reserve my right to do so. I am most grateful for your cooperation and look forward to resolving this matter expeditiously.

All Rights Reserved, Without Recourse __________________________________ Enclosed : Copy of my PASSPORT PHOTO ( FOR IDENTIFICATION PURPOSES ONLY..! ) Copyright Notice Copy of my state ID ( FOR IDENTIFICATION PURPOSES ONLY )

Company response to consumer: Closed with explanation