Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: FL
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 XXXX CONCERN MY NAME IS XXXX XXXX XXXX AM SENDING THIS LETTER OF INTENT TO SUE IN REGARDS TO SEVERAL VIOLATIONS OF MY CONSUMER RIGHTS ALONG WITH VIOLATING THE LAW AT THE SAME TIME. I REVIEWED MY CONSUMER REPORT AND REALIZED THAT YOU HAVE VIOLATED SEVERAL LAWS ACCORDING TO XXXX. IT IS MY RIGHT AS A CONSUMER TO MAKE YOU AWARE THAT YOU HAVE CRIMINALLY VIOLATED MY RIGHTS AS A CONSUMER AND YOU WILL BE HELD LIABLE FOR ANY DAMAGES COMPENSATIONS CAUSED. ACCORDING TO XXXX XXXX CODE ( XXXX ) Limitation of liability Except as provided in sections XXXX and XXXX of this title, no consumer XXXX bring any action or proceeding in the nature of defamation, invasion of privacy, or negligence with respect to the reporting of information against any consumer reporting agency, any user of information, or any person who furnishes information to a consumer reporting agency, based on information disclosed pursuant to section XXXX, XXXX, or XXXX of this title, or based on information disclosed by a user of a consumer report to or for a consumer against whom the user has taken adverse action, based in whole or in part on the report [ XXXX ] except as to false information furnished with malice or willful intent to injure such consumer. ( A ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). 

( XXXX ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( XXXX ), a consumer reporting agency XXXX terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

XXXX XXXX XXXX Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and XXXX XXXX ) identification of any information required to investigate the disputed information, which XXXX consist of a standardized form describing the general nature of such information. 
( XXXX ) Consideration of consumer information In conducting any reinvestigation under paragraph ( XXXX ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( XXXX ) ( A ) with respect to such disputed information. 

( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and XXXX ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph XXXX XXXX XXXX, the information XXXX not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

XXXX ii XXXX Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

XXXX XXXX XXXX Additional information As part of, or in addition to, the notice under clause ( XXXX ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; XXXX XXXX ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and XXXX XXXX XXXX a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). 

XXXX XXXX XXXX XXXX reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency XXXX report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. 

( XXXX XXXX Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; XXXX XXXX ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; XXXX XXXX XXXX a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( XXXX ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. 
( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii XXXX by not later than 15 days after receiving a request from the consumer for that description. 

XXXX XXXX ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( XXXX ) ( A ) by the deletion of the disputed information by not later than XXXX business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( XXXX ) ( A ), then the agency shall not be required to comply with paragraphs ( XXXX ), ( XXXX ), and ( XXXX ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( XXXX ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than XXXX business days after making the deletion. 
XXXX b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer XXXX file a brief statement setting forth the nature of the dispute. The consumer reporting agency XXXX limit such statements to not more than XXXX XXXX words if it provides the consumer with assistance in writing a clear summary of the dispute. 

XXXX c ) Notification of consumer dispute in subsequent consumer reports XXXX a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof. 

( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b XXXX or XXXX c ) to any person specifically designated by the consumer who has within XXXX years prior thereto received a consumer report for employment purposes, or within XXXX months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information. 

XXXX XXXX XXXX XXXX of complaints and report to XXXX XXXX XXXX ) In general XXXX XXXX [ XXXX ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section XXXX ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection XXXX a ) ; and XXXX XXXX XXXX transmit each such complaint to each consumer reporting agency involved. 
( XXXX XXXX Exclusion Complaints received or obtained by the XXXX pursuant to its investigative authority under the XXXX XXXX XXXX XXXX of XXXX shall not be subject to paragraph ( XXXX ). 

XXXX XXXX ) Agency responsibilities Each consumer reporting agency described in section XXXX ( p ) of this title that receives a complaint transmitted by the XXXX pursuant to paragraph ( XXXX ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the XXXX regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection. 
( XXXX ) Rulemaking authority The XXXX XXXX prescribe regulations, as appropriate to implement this subsection. 

XXXX XXXX ) Annual report The XXXX shall submit to the XXXX XXXX Banking, Housing, and XXXX XXXX of the XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX House XXXX XXXX an annual report regarding information gathered by the XXXX under this subsection. 

( f ) Reinvestigation requirement applicable to resellers XXXX XXXX ) Exemption from general reinvestigation requirement Except as provided in paragraph ( XXXX ), a reseller shall be exempt from the requirements of this section. 

( XXXX XXXX XXXX required upon receiving notice of a dispute If a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within XXXX business days of receiving the notice, and free of charge ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller ; and XXXX XXXX XXXX if ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it ; or XXXX ii XXXX if the reseller determines that the item of information is not incomplete or inaccurate as a result of an act or omission of the reseller, convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute, using an address or a notification mechanism specified by the consumer reporting agency for such notices. 
XXXX XXXX ) Responsibility of consumer reporting agency to notify consumer through reseller Upon the completion of a reinvestigation under this section of a dispute concerning the completeness or accuracy of any information in the file of a consumer by a consumer reporting agency that received notice of the dispute from a reseller under paragraph ( XXXX ) ( A ) the notice by the consumer reporting agency under paragraph ( XXXX ), ( XXXX ), or ( XXXX ) of subsection ( a ) shall be provided to the reseller in lieu of the consumer ; and ( B ) the reseller shall immediately reconvey such notice to the consumer, including any notice of a deletion by telephone in the manner required under paragraph ( XXXX ) ( A ). 
( XXXX ) Reseller reinvestigations No provision of this subsection shall be construed as prohibiting a reseller from conducting a reinvestigation of a consumer dispute directly. XXXX XXXX Code XXXX - Disclosures to consumers XXXX XXXX Code XXXX - Compliance procedures YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER ACCORDING TO XXXX, YOU HAVE PLACED MEDICAL INFORMATION ON MY COSNUMER REPORT WITHOUT MY CONSENT AND YOU HAVE NO RIGHTS TO DO SO AT ALL. YOU CAN NOT PLACE A ANY MEDICAL INFORMATION, ACCOUNT TO A CONSUMERS CREDIT REPORT. REMOVE THE ACCOUNT AND INFORMATION IMMEDIATELY AND PERMANENTLY. XXXX. XXXX FINANCE XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX CR XXXX XX/XX/XXXX XXXX. XXXX XXXX CR XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX - Disclosure of investigative consumer reports

Company response to consumer: Closed with explanation