Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Notice to agent is notice to principle notice the principle is notice to agent I did not give written instructions to any credit bureaus to post Information on my consumer credit report I am asking to delete those items immediately According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft the accounts with all three major credit bureaus. XXXX Equifax XXXX are showing without my consent. After reviewing my credit reports on several occasions, I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of those debt or that you followed all laws and regulations to report, therefore you must remove all negative and adverse remarks accordance to the fair credit reporting act you have violated the consumers rights. please provide to the consumer the proper disclosure as requested by law 609. Disclosures to consumers 15 U.S.C. 1681g, and under 604. Permissible purposes of consumer reports 15 U.S.C. 1681b, that you Continue verifying as accurate are the followings are the accounts that needs to be deleted from my consumer credit report Immediately, it is Important to follow rules and regulations 607. Compliance procedures 15 U.S.C. 1681e ( XXXX ) XXXX XXXX XXXX  Account number # XXXX ( XXXX XXXX XXXX Account number # XXXX ( XXXX XXXX XXXX XXXXXXXX Account number # XXXX ( XXXX XXXX XXXX XXXX Account number # XXXX ( XXXX ) DEPT OF EDXXXX XXXX Account number # XXXX ( XXXX ) XXXX XXXX XXXX Account number # XXXX As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of those obligation to said accounts Also you are fully aware That under the Fair debt collection Practicing act You have participated in a collection of a debt. 15 USC 1692j 812. Furnishing certain deceptive forms ( a ) ( b ) Which your duty is to Protect my information, and all information giving Should be 100 % accurate 623. Responsibilities of furnish of information to consumer reporting agencies 15 U.S.C. 1681s-2 In regard to the investigation documentation that was never provided to the consumer XXXX. XXXX and Equifax. has failed to provide the consumer The proper documentations as mentioned 606. Disclosure of investigative consumer reports 15 U.S.C. 1681d ( b ) Compliance with the requirements imposed under this title shall be enforced 621. Administrative enforcement 15 U.S.C. 1681s, also on the account of XXXX XXXXXXXX XXXX  which I have been disputing since XXXX until present day Experian Has verified. 
this account as accurate 15 U.S. Code 1681c - Requirements relating to information. 
contained in consumer reports also in regard to XXXX On this account I do not have an obligation with this financial institution This account is a fraudulent account which in this account I do not have a contract signed with them I have asked on several occasions for a signed invoice wet signature contract Which they have not provided to the consumer. In regard to XXXX XXXXXXXX It is showing potential negative late payments when I never have been late Under the Commercial Code UCC It states what is a negotiable instrument 3-104 also state Who is the Holder in due course on that account UCC 3-302 , 15 U.S. Code 1637 - Open end consumer credit plans 15 U.S. Code 1666b - Timing of payments in regards to XXXX XXXX receivable bought this debt and can not Provide the consumer the wet signature contract of the obligation with the consumer this is 18 U.S. Code 894 - Collection of extensions of credit by extortionate means. DEPT OF EXXXX Account has been paid in full I have provided certified mail documentations to XXXX I and those accounts Are the only ones reflecting on my XXXX consumer credit report Also on my XXXX Credit report XXXX XXXX Is collecting a debt Not owned this account has been disputed several times with XXXX the consumer has asked for verification of the debt Until present day neither XXXX nor XXXX XXXX XXXX have provided a wet signature contract. of the obligation that the consumer has with XXXX XXXX XXXX. No proper investigation has been made from all three Major credit bureaus All three major credit bureaus need to delete those items reflecting on my consumer credit report which they are not showing Accuracy and I the consumer did not authorize written instructions to any consumer credit Bureau to post this information this has caused tremendous damage to the Consumer. Suggest you do a reinvestigation15 U.S. Code 1681i - Procedure in case of disputed accuracy.

Company response to consumer: Closed with explanation