Consumer complaint received 2017-11-04
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:
XX/XX/XXXXXXXX XXXX RE : Social Security Number : To Whom it May Concern : This letter is my final communication in regarding the inaccurate entry being reported under XXXX XXXX XXXX for account # XXXX by XXXX Equifax, and XXXX You are reporting inaccurate accounts on my credit file. I dont live at XXXX XXXX XXXX XXXX XXXX FL XXXX. This is an error and the address and account is reporting inaccurately on my credit profile. I am in distress.
I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX, substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ), also according to sections 609 & 611 of the Fair Credit Reporting Act you have also violated me and my rights. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit and place inaccurate information without my consent.
Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for ( credit, accounts, insurance, employment or other services ) with such companies or accounts that are reporting inaccurately.
This was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$4.00}, 000, whichever is greater ; You are civilly liable to me in the amount of {$4.00}, 000.00 for your willful violation of the law by placing inaccurate accounts & or Inquiries on my credit file without my permission and all other inaccuracies your company placed on my credit file. I am distressed that you have included these items that do not belong to me. Apparently procedures havent been properly maintained to ensure maximum accuracy that is required by the FCRA. I am aware that the FCRA requires that you only report 100 % accurate information. FACTA requires validation of the alleged debts before reporting. Lastly, I was never served any notice of disclosure before or after these accounts were reported negatively as required by FCRA and FACTA sections 609 & 611. This alone requires deletion of the negative disputed information.
To resolve this matter please remove the inaccurate information from my credit report within ten ( 10 ) business days of the date of this letter. If the illegal inaccurate information isnt deleted I shall be forced to seek legal action which
may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees. Given that I believe
you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. copy of the lawsuit I have maintained careful records of your actions, and you are now required to appear at : XXXX XXXX County Courthouse, XXXX XXXX XXXX XXXX Fl XXXX on XX/XX/XXXXI am seeking {$4000.00} in damages for : 1. ) Violations of the Fair Credit Reporting Act - including but not limited to Section 611 Prior to our court date on XX/XX/XXXXif you should decide to correct your records and remove the negative and false item in question, please contact me at the address below, and I will subsequently withdraw the lawsuit.
Sincerely, XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with explanation