Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have recently reviewed my credit report with XXXX XXXX, XXXX, XXXX and noticed unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed the role without permission not only that you did not have consent. You guys did not respect my right to privacy which is under 15 USC 681 a number 4. They did not exercise their grave responsibility, they were unfair, they were partial. I am taking the liberty to file a CFPB report and attorney general 's complaint. The credit bureaus were not given or had permissible purpose under 1681 b number 2. I never instructed you guys to furnish this / my report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all 18 active federal student loan accounts noted at the department of education/ XXXX  off my report. Please furnish each credit bureau with the cfpb REPORT NUMBER. XXXX has reported XXXX active federal student loans. The loans from Dept of Education were deleted and then reposted by Dept of Education/ XXXX XXXX I do not have business or contracts with XXXX. tHIS HAS GRAVELY IMPACTED MY EMOTIONALLY MENTALLY AND FINANCIALLY AND MY SCORE HAS DROPPED DENYING FROM ACCESSING CREDIT. 




Please consider this a formal request to REVIEW and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you be factual regarding the inaccurate items and that they be deleted from my record. I do not have a contract with XXXX. I have not signed a contract with XXXX. This is a failure to comply with FCRA, FDCPA, and GLBA. I am also requesting the accounts b e corrected as " paid as agreed '' per 15 USC 1666b anything less than that is a violation of my rights and privacy per 15 USC. There should also be no disputes placed on my credit as that is also a violation of my rights and privacy. 

2 ) I am requesting removal of all soft and hard inquiries immediately. I did not grant permission, approval, access or credit to any of those entities. I am demanding {$1000.00} per inquiring. I have alco filed claim with AG, and failure to comply is and violation of my rights and privacy for which I am making this claim. 

3 ) I am requesting a credit score and rescore posted within my credit file within the next XXXX hours. I had been denied for a loan due to credit. Denying someone based on credit worthiness is discrimination per Fair Housing Act and ECOA. 

4 ) I have never resided at XXXX XXXX XXXX XXXX Washington XXXX DC XXXX. All addresses should be removed accept for the current XXXX XXXX XXXX, XXXX Washington, DC XXXX. 

Under the Fair Credit Reporting Act, you have thirty ( 10 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 10 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you

Company response to consumer: Closed with explanation