Consumer complaint received 2022-06-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX, am a consumer, a natural person. I am demanding notice the CRA 's and the following companies broke the law. They have violated my right to privacy and defamation of character by providing me with deceptive forms and reporting negatively to my credit report. I have disputed these accounts before and nothing was done about these accounts and I am pursuing litigation. 
The companies mentioned are XXXX XXXX, XXXX XXXX Acct # ( XXXX XXXX  who said that they may sell the debt to XXXX XXXX never said that they will but XXXX and sold this debt contract without my knowledge, XXXX and Will are XXXX different meanings ) XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXXXXXX XXXX XXXX Acct # XXXX. 
CRA 's : How did you validate these accounts? Do you have proof that these accounts are XXXX XXXX 's? How can you prove this? Where are your witnesses? 

The CRA 's and the companies listed above have violated codes 15 U.S. Code 1605 - determination of the finance charge - these companies are supposed to conspicuously explain the finance charge to me but that was never explained to me at all- Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable. 

15 U.S. Code 1666b - timing of payment - ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

15 U.S. Code 1692j - ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

15 U.S. Code 6802 - I have a right to privacy - None of the companies listed above asked me for permission to list anything on my consumer report including the CRA 's. They are in violation of 15 U.S. Code 1681 ( identity theft ) 15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

18 U.S. Code 8 - The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.

I have included the SSA-89 form for your records. Did I fill out this form for your records? You did not get my consent according to this form and you need my signature and this form filled out by me to do anything so remove all these negative accounts in four days or I will purse litigation.

In conclusion, I have requested that you block and delete the negative accounts from my credit report but you continue to keep them on and I will pursue litigation.

Company response to consumer: Closed with explanation