Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: OH
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:
Dear XXXX, EQUIFAX, and XXXX The Accounts Below Violates My Rights and the FCRA!!! DELETE IMMEDIATELY, OR I WILL TAKE LEGAL ACTION AND FINE YOU {$1000.00} FOR EACH VIOLATION IN COURT!!! 

TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF ASAP. 



XXXX/EQUIFAX/XXXX  IT IS A FCRA VIOLATION TO REPORT ANY INACCURATE INFORMATION TO MY CREDIT REPORT. YOU HAVE REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AS A PREVIOUS ADDRESS OF MINE, My address is XXXX XXXX XXXX XXXX, fl XXXX Its XXXX my ID and all my identifying documentation. I have never lived at those previous addresses, so, XXXX, EQUIFAX & XXXX can you please remove those other ( XXXX ) addresses from my credit report, or else my lawyer and I will sue you for up to {$1000.00} per FCRA Violation? Also, XXXX, EQUIFAX, AND XXXX, I DEMAND YOU TO REMOVE ANY ACCOUNTS WITH THOSE PREVIOUS ADDRESSES ATTACHED TO THEM. THOSE WERE NEVER MY ADDRESS, AND YOU NEED TO REMOVE THAT XXXX NOW!!! BEFORE THIS XXXX GETS UGLY XXXX, XXXX, AND EQUIFAX I DEMAND ALL THREE CREDIT XXXX ADD THE CORRECT XXXX SPELLING OF MY XXXX NAME TO MY CREDIT REPORT!!! THIS IS SOME XXXX XXXX!!! MY XXXX NAME IS XXXX XXXX!!! THATS HOW I SPELL MY NAME SO TAKE THE REST OF THAT XXXX OFF MY REPORT!!! ALL THREE CREDIT BEAURAS ( XXXX, XXXX, AND EQUIFAX ) ALSO NEED TO ADD THE CORRECT XXXX BIRTHDATE TO MY CREDIT REPORT. MY BIRTHDAY IS XX/XX/1998, THATS IT, AND THATS ALL, SO I DEMAND ALL THREE CORPORATIONS TO UPDATE MY NAME AND BIRTHDATE NOW!!! 

XXXX IT IS A FCRA VIOLATION TO REPORT ANY INACCURATE INFORMATION TO MY CREDIT REPORT, AND YOUR CORPORATION DOES NOT REPORT ANYTHING TO MY CREDIT REPORT. NOT MY ACCURATE NAME, WHICH IS XXXX XXXX, NOT MY ACCURATE BIRTHDAY, WHICH IS XX/XX/1998, AND YOU ALSO DO NOT REPORT MY ACCURATE ADDRESS TO MY CREDIT REPORT, WHICH IS XXXX XXXX CT, XXXX, FL XXXX. So, I DEMAND YOUR CORPORATION TO UPDATE MY REPORT IMMEDIATELY TO AVOID A FCRA FINE OF {$1000.00} EACH VIOLATION. 

XXXX XXXX XXXX TO REPORT MY PAID OFF LOAN ALSO NEEDS TO REPORT MY FINATION CREDIT LOAN TO MY REPORT. I NEVER SAW THIS ON MY REPORT AS OF YET IT'S BEEN PAID OFF FOR 3 YEARS. THAT ACCOUNT AND MY STUDENT LOAN SHOULD BE MY ONLY REPORTED ACCOUNT, AND I HAVE NEVER MISSED A PAYMENT. Account Name : FINATION CREDIT Account XXXX XXXX I do not live in OHIO. I DEMAND YOU TO UPDATE MY ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX!! I LIVE IN XXXX, FL NOT IN XXXX, OR XXXX OHIO THESE ARE FCRA VIOLATIONS, AND I DEMAND ALL CREDIT BEAURAS TO UPDATE MY INFORMATION IMMEDIATELY TO, OR ELSE I WILL FINE YOU {$1000.00} PER FCRA VIOLATION!!! 

The Accounts Below Are 1000 % FCRA Violations and NEEDS TO BE FULLY REMOVED FROM MY XXXX AND XXXX CREDIT REPORT, OR there WILL BE SOME XXXX LEGAL ACTION BEING TAKEN!!!! THESE ACCOUNTS ARE INACCURATE, AND ACCORDING TO THE FCRA, THAT IS XXXX XXXX!!!! SO, REMOVE THE ACCOUNTS LISTED BELOW NOW!!!!! 











Account Name : XXXX XXXX Account Number XXXX - XXXX THE ABOVE ACCOUNT BY XXXX XXXX WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT.ALSO THE DATE LAST ACTIVE ARE COMPLETELY DIFFERENT. 

THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 



Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX ) Account Number : XXXX - XXXX THE ABOVE ACCOUNT BY XXXX XXXX XXXX ( Original Creditor : XXXX  ) WAS 100 % FRAUDulent, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT. 

THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

Account XXXX : XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX **** - XXXX THE ACCOUNT LISTED ABOVE BY XXXXXXXX XXXXM, XXXX ( Original Creditor : XXXX XXXX ) IS 100 % A FCRA VIOLATION, AND THE FURNISHER TRIED TO CORRECT IT, BUT THEY DID NOT REMOVE IT FROM MY XXXX REPORT. EVERYTHING ABOUT THIS ACCOUNT IS WRONG. THE DATE LAST ACTIVE THE OPENED DATE. AND ALSO, THE FRAUD THAT THE FURNISHER IS NOW PULLING BY TRYING TO KEEP THIS ACCOUNT ON MY XXXX.XXXX  CREDIT REPORT. 

I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX.XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! 

Account Name : XXXX XXXX  Account Number : XXXX - XXXX I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX/XXXX  CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!! 

I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! 



Account Name : XXXX XXXX  Account Number : XXXX - XXXX I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXXCREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!! ALSO, THE DATE LAST REPORTED, AND LAST ACTIVE ARE SO XXXX WRONG THE INFORMATION YOU guys ' GIVE IS TERRIBLE! 

I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX - XXXX/XXXX  XXXX DEMAND XXXX CORPORATION REMOVE THIS FROM MY XXXX/XXXX  CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!! ALSO THE DATE LAST ACTIVE ARE WRONG WRONG WRONG!!! XXXX XXXX I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! 

Account Name : XXXX Account Number : XXXX **** - XXXX I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!! 

I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! 

Account Name : XXXX XXXX Account Number : XXXX XXXX I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!! 

I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!! 

I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!! 

Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX - XXXX  THE ABOVE ACCOUNT BY XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) IS 100 % FRAUD. I DID NOT OPEN THAT ACCOUNT AT ALL, AND IT NEEDS TO BE REMOVED FROM MY XXXX CREDIT REPORT IMMEDIATELY. I WILL REACH OUT TO LOCAL AUTHORITIES AND XXXX XXXX XXXX AND XXXX XXXX IF THIS ACCOUNT IS NOT FULLY REMOVED FROM MY XXXX CREDIT REPORT!!! 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXXXXXX THE ACCOUNT LISTED ABOVE BY XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) IS 100 % A FCRA VIOLATION, AND THE FURNISHER TRIED TO CORRECT IT, BUT THEY DID NOT REMOVE IT FROM MY XXXX REPORT. EVERYTHING ABOUT THIS ACCOUNT IS WRONG. THE DATE LAST ACTIVE IS NOT KORRECT AT ALL, THE FRAUD THAT THE FURNISHER IS NOW PULLING BY TRYING TO KEEP THIS ACCOUNT ON MY XXXX  CREDIT REPORT. 
I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! 



Account Name : XXXXXXXX XXXX  XXXX Account Number XXXX **** - XXXX THE ABOVE ACCOUNT BY XXXX FNBK XXXX WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT. 

THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

Account Name : XXXX CARD Account Number XXXX - XXXX THE ABOVE ACCOUNT BY XXXX CARD WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT. 

THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

Account Name : XXXX CARD Account Number XXXX - XXXX THE ABOVE ACCOUNT BY XXXX CARD WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT. 

THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

Account Name : XXXX CARD Account Number XXXX - XXXX/EQUIFAX THE ABOVE ACCOUNT BY XXXX CARD WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT. 

THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

Account Name : XXXX CARD Account Number XXXX - XXXX THE ABOVE ACCOUNT BY XXXX CARD WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT. 

THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

Account Name : XXXX CARD Account Number XXXX - XXXX THE ABOVE ACCOUNT BY XXXX CARD WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT. 

THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

Account Name : XXXX CARD Account Number XXXX - TRANSUNION XXXX ABOVE ACCOUNT BY XXXX CARD WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT. 

THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

THE ABOVE ACCOUNT HAS VIOLATED THE FCRA 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!! AND I DID NOT OPEN THIS ACCOUNT. REMOVE IT!!! 



WHEN DONE WITH YOUR INVESTIGATION, I WILL NEED A FULL UPDATE SENT BACK TO ME FROM XXXX XXXX AND EQUIFAX!!!

Company response to consumer: Closed with explanation