Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to inform you that there is 100 % improper use of The credit report. Attached to the XXXX! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, ID, Bank Statement, pay stub, utility bill and insurance card. 

This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN XXXX HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 


IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN XXXX HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 


INACCURATE ACCOUNTS THAT NEED TO BE REMOVED INCLUDES ARE AS FOLLOWS : -XXXX XXXX XXXX| Account # XXXX XXXX Date : XXXX XXXX  -XXXX XXXX XXXX XXXX| Account XXXX : XXXX Date : XXXX XXXX  -XXXX  - XXXX XXXX|Account # : XXXX XXXX EQUIFAX XXXX & XXXX # : N/A|Date : XX/XX/XXXX, XXXX EQUIFAX ALL INACCURATE XXXX THAT XXXX XXXX XXXX XXXX XXXX XXXX AS FOLLOWS : -XXXX XXXX| Inquiry date : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX| Inquiry date : XX/XX/XXXX, XXXX XXXX XXXX XXXX., XXXX XXXX| Inquiry XXXX : XX/XX/XXXX, XXXX EQUIFAX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX EQUIFAX XXXX XXXX XXXX XXXX| Inquiry date : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX date XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX| Inquiry date : XX/XX/XXXX, XXXXXXXX XXXX -XXXXXXXX XXXX XXXX| Inquiry date : XX/XX/XXXX, XXXX XXXX -XXXX XXXX Bank ) | Inquiry date : XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX ( Finance XXXX | XXXX date : XX/XX/XXXX, XXXX XXXX XXXX XXXX ( Finance XXXX | XXXX date XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX ( Finance ) | XXXX date : XX/XX/XXXX, XXXX XXXX XXXX XXXX ( Finance ) | Inquiry date : XX/XX/2021 - XXXX  XXXX XXXX XXXX XXXX I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 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!! 

DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!

Company response to consumer: Closed with non-monetary relief