Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX EQUIFAX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ANY FURNISHER OF CREDIT INFORMATION ADDRESS OF ANY FURNISHER OF CREDIT INFORMATION To Whom It May Concern : This letter is a formal dispute under the provisions of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 et seq. that you are reporting inaccurate credit information and has violated my rights of privacy. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. It also states a consumer reporting agency can not furnish a account without my written consent. 
After a careful review of my credit report it has come to my attention that there are several inaccurate listings contained in my credit report. The accounts listed below are incorrect. The following accounts need to be investigated immediately to reflect my truthful credit history. If any accounts listed below can not be verified they should be deleted from my credit report as soon as possible. 
I was very upset when I discovered that you have included the information I have specified below in my credit profile which has resulted in my credit score being negatively impacted in a major way. As I am sure you are aware, the FCRA requires you to properly investigate any debt dispute. I am sure that the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. 
Because of the mistakes on my credit report, I have been wrongfully denied credit which was extremely embarrassing and has negatively impacted my lifestyle. I am trying to buy a house and this inaccurate information has been a defamation to my character and livelihood. 
I have attached documentation to this letter which supports my dispute. Under the provisions of the FCRA you must respond to my dispute within 30 calendar days from the date of this letter. If you fail to do so the disputed information must be deleted.

Under 15 US Code 1681 A under exclusion says the term consumer report does not include transactions or experiences. I would like the following account updated. 
XXXX XXXX-ACCT # XXXX This account is reporting late. 
I do not recognize how the following accounts are reporting on my credit report. I do not recognize the account number. I do not recognize the account status. I do not recognize the account high balance nor do I recognize the late payments associated with it. Everything reported here does not meet the FCRA. Also, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume no proof of the alleged debt, nor therefore any such debt, in fact therefore more exist. 
XXXX ACCT # XXXX XXXX XXXX- ACCT # XXXX XXXX ACCT # XXXX XXXX XXXXXXXX ACCT # XXXX XXXX ACCT # XXXX XXXX  ACCT # XXXX XXXXXXXX XXXX  ACCT # XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) ACCT # XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) - ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX Additionally, you are reporting several other accounts that are unauthorized credit inquiry. I understand that you should not be allowed to put an inquiry on my credit file unless I have authorized it. Please have the following accounts removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Please correct, verify and/or delete the above information as quickly as possible and send me a response which includes a confirmation that the disputed information has been deleted along with a corrected copy of my credit report. Thank you in advance for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief