Consumer complaint received 2022-05-18
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:
Investigation Request Letter XX/XX/2022 To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my respon-sibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )?

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Inquires The below, please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Creditor Name Type of Business XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Loans Companies 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 XXXXXXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Miscellaneous and public record XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXXXXXX XXXX non specific XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Personal Loans Companies XXXX XXXX, personal XXXX XXXX XXXX XXXXs and XXXX XXXX XXXX XXXXXXXX XXXX, personal XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX personal XXXX XXXX and public record XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX XXXX Auto Reseller XXXX XXXX XXXX XXXX XXXX XXXX non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies XXXX XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Agencies XXXX XXXX XXXX  Auto Financing XXXX XXXX XXXX XXXX  All Banks XXXX XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXXXXXX # XXXX Automobile Dealers, New XXXX Department And Variety Stores - non specific XXXX XXXX, personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Department XXXX variety, local, regional, and national chains XXXX XXXX XXXXXXXX Bank XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  US SM BUS ADMIN ODA Federal Government XXXX XXXX  Banks and XXXX XXXX XXXX XXXXXXXX Credit card and travel / entertainment companies XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX & XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Banks and XXXX & XXXX XXXX Banks and XXXX & XXXX XXXX XXXX, Not Elsewhere Classified XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer re-porting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation out-come to be sent to my address I put on the from area.

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation