Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have filed several disputes with EQUIFAX concerning the LATE PAYMENTS listed on my XXXX XXXX and XXXX XXXX XXXX Accounts. 

According to the below listed XXXX XXXX EQUIFAX, XXXX XXXX and XXXX XXXX XXXX XXXX have no legal right to report these LATE PAYMENTS on my consumer report. 

Title 15 U.S.C. 1681b- Permissible Purposes of Consumer Reports ; states that it is illegal for anyone to have or access my credit file without my written permission. I therefore demand that EQUIFAX provide said written proof that I gave my written permission to EQUIFAX, XXXX XXXX and XXXX XXXX XXXX XXXX publish any information on my consumer report. 

15 USC 1681a ( 2 ) ( A ) ( i ) Exclusions from a Consumer Credit Report clearly states : ( 2 ) Exclusions. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This law makes it illegal for EQUIFAX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX report LATE PAYMENTS on my consumer report. 





I HEREBY PLACE EQUIFAX, XXXX XXXX and XXXX XXXX XXXX XXXX on notice That : Pursuant to 15 U.S.C. 1692a ( 3 ) I am the consumer, and I never gave ANY CONSUMER REPORTING AGENCY DIRECT written consent to report anything on my consumer report, NO CONSENT is IDENTITY THEFT, pursuant to 15 U.S.C. 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor. 

I am presenting myself as a federally protected consumer and to my understanding you have assumed a vital role in assembling and evaluating consumer credit. I also understand that you have been developed to uphold a consumers credit worthiness, credit standing, credit capacity, character, and most of all the REPUTATION of consumers. XXXX XXXX has listed this account without my permission and written instruction. This is a violation of Federal Law pursuant to 15 U.S.C. 1681b. 

EQUIFAX, XXXX XXXX and XXXX XXXX XXXX XXXX is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not and as the original creditor only I can validate this Debt. I want these Illegal LATE PAYMENTS deleted from my consumer report. 
I am prepared to file suit against EQUIFAX for violation of 15 U.S.C. 1681i for failure to conduct a reasonable investigation to determine whether disputed information is accurate, 15 U.S. Code 1681n - Civil liability for willful noncompliance and for violation of Regulation V. These three violations constitute a violation of The Consumer Protection Act. 
This false reporting by EQUIFAX constitutes a violation of my rights under the Fair Credit Reporting Act 604. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these LATE PAYMENTS must be DELETED from my consumer report within 5 days.

Company response to consumer: Closed with explanation