Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: MD
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:
NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It XXXX Concern : I, XXXX XXXX, XXXX, last XXXX SS # XXXX, Is providing This Letter as formal notice of my Intent to File a Lawsuit against Equifax for Damages for a Willful Noncompliance of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681., FCBA-The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services. FACTA The Fair and Accurate Transaction Act amends the Fair Credit Reporting Act ( FCRA ) to help consumers combat identity theft ; establish national standards for the regulation of consumer report information ; There are multiple violations that Equifax n is now responsible for.

Privacy Violations-. Equifax performed Unauthorized credit inquiries without my written authorization. A CRA can not release your credit report to anybody. They can only give them to authorized persons. CRAs may disclose your report only to persons or entities that have a valid need, such as : creditors, property owners, insurance providers, utility companies, and employers ( only if you previously consented ). 
Furnishing and Reporting Old Information, showing that I have negative 7 revolving accounts -Equifax failed to supply information and keep your credit information current. When your credit circumstances have changed, and the information in your credit report is not updated to reflect these changes. reporting old debts as new or re-aged. reporting an account as active when it was voluntarily closed by a consumer. 

Debt Dispute Violations by Equifax- notify a creditor that you dispute the debt that it has reported. Failed to conduct a reasonable investigation of your dispute. Failed to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( about 4 and a half weeks ) of receiving notice of your dispute By Equifax Willful Violation of my FCRA, FACTA, FCBA caused a property owner to turn down my application for imperfect credit, turn down for business credit loans with XXXX XXXX due to imperfect credit, too many inquiries NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX From : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Equifax provided these 8 HARD Inquiries without My written Authorization. PROVIDE WRITTEN AUTHORIZATION BY LAW OR PLEASE DELETE FROM MY CREDIT FILE I will be enforcing my rights by filing a complaint with the CFRB or the Federal Trade Commission ( FTC ) and contacting the State Attorney general to enforce my rights under the FCRA, 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 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 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 NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Md XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Equifax provided these SOFT Inquiries without My written Authorization. PROVIDE WRITTEN AUTHORIZATION BY LAW OR PLEASE DELETE FROM MY CREDIT FILE I will be enforcing my rights by filing a complaint with the CFRB or the Federal Trade Commission ( FTC ) and contacting the State Attorney general to enforce my rights under the FCRA, FACTA, FCBA. 

XXXX XXXX, XXXXEQUIFAX CONSUMER SERVICES-CONS RPT XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX CONSUMER SERVICESSoft Inquiry XX/XX/XXXX, XXXX Inquiry XX/XX/XXXXXXXX XXXXEQUIFAX UPDATEAutomated Consumer Interview System XX/XX/XXXX, XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XX/XX/XXXX, 2023EQUIFAX INFORMATION SVCSAutomated Consumer Interview System NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX From : XXXX XXXX Pg. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Equifax provided these SOFT Inquiries without My written Authorization. PROVIDE WRITTEN AUTHORIZATION BY LAW OR PLEASE DELETE FROM MY CREDIT FILE I will be enforcing my rights by filing a complaint with the CFRB or the Federal Trade Commission ( FTC ) and contacting the State Attorney general to enforce my rights under the FCRA, FACTA, FCBA XX/XX/XXXXXXXX XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XX/XX/XXXXXXXX XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XX/XX/XXXX, XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XX/XX/XXXX, XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XX/XX/XXXX, XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XXXX XXXX XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XXXX XXXX XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XXXX XXXX XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XXXX XXXX XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XXXX XXXX XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XXXX XXXX XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XXXX XXXX XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XXXX XXXX XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XX/XX/XXXX, XXXXXXXX XXXX  XX/XX/XXXX, XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XX/XX/XXXXXXXX XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XX/XX/XXXXXXXX XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Equifax provided these SOFT Inquiries without My written Authorization. PROVIDE WRITTEN AUTHORIAZATION BY LAW OR PLEASE DELETE FROM MY CREDIT FILE I will be enforcing my rights by filing a complaint with the CFRB or the Federal Trade Commission ( FTC ) and contacting the State Attorney general to enforce my rights under the FCRA, FACTA, FCBA XX/XX/XXXX, XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XX/XX/XXXX, XXXXEQUIFAXAutomated Consumer Interview System XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXEQUIFAXSoft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAXAutomated Consumer Interview System XX/XX/XXXX, XXXXEQUIFAX UPDATEAutomated Consumer Interview System XX/XX/XXXX, XXXXXXXX XXXXSoft Inquiry Summary Report Date : XXXX XXXX, XXXX Review this summary for a quick view of key information contained in your Equifax Credit Report. 
Report Date XXXX XXXX, XXXX Accounts with Negative Information XXXX -- -- - What are the XXXX accounts with negative information? Under Revolving accounts, they all state pay as agrred NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX From : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Equifax, Take further notice that Equifax, 30 ( thirty ) days after your receipt of this dispute letter, XXXX contact the creditor to get the information validated. If the creditor can not validate the disputed issue on your credit report within 30 days ( about 4 and a half weeks ), then the CRA must remove the item from your credit report because it is unverifiable information. 

Based on Reports Listed I, XXXX XXXX will be requesting STATUTORY DAMAGES the sum of {$1000.00} for each violation of each FCRA, FACTA, FCBA. Act. Please provide a settlement offer for violating the American Disability Act ( ADA ), FCRA, FACTA, FCBA. 

FFCRA, FACTA, FCBA. violations whether it was intentional or not. The damages that a consumer XXXX receive are not subject to any limit of the 4 Types of Damages for FCRA, FACTA, FCBA. Acts. Violation consumers XXXX be entitled to the following damages : Actual damages. There is no limit to this amount if you can prove the loss. Statutory damages. This damage ranges between {$100.00} and {$1000.00}. Consumers can take advantage of statutory damages even without proving that the violation caused you harm. Punitive damages, with no limit on how much. Punitive damages are decided by the court overseeing the proceeding. 

**If no Settlement Offer is presented to XXXX XXXX XXXX I will be enforcing my rights by filing a complaint with the CFRB or the Federal Trade Commission ( FTC ) and contacting the State Attorney general to enforce my rights under the FCRA , FACTA, FCBA. attorney will seek to recover statutory Damages, Punitive Damages, and attorney fees for the Many violations. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation