Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
EQUIFAX CONTINUES TO REPORT FALSE MISLEADING INACCURATE INFORMATION ON MY REPORT FOR OVER A YEAR NOW MAKING IT HARD TO GET HOUSING I SENT MULTIPLE LETTER CERTIFIED MAIL WASTING HUNDREDS OF DOLLARS XXXX IS MEDICAL COLLECTION THAT SHOULD NOT BE ON MY REPORT I SENT A DEBT VALADATION LETTER THAT WAS IGNORED I HAVE PROOF IN ATTACHMENTS ALSO IT WAS REMOVED THEN RE-INSERTED WITHOUT MY CONSENT WHICH IS A VIOLATION OF THE LAW ALSO EQUIFAX TOTALLY IGNORED MY LETTERS SENT TO UPDATE MY PERSONAL INFORMATION LIKE MY OLD ADDRERESSES AND INACCURATE ADDRESSES THE ADDRESS BELOW IS THE ONLY ADDRESS THAT SHOULD BE ON MY CONSUMER REPORT, XXXX XXXX XXXX XXXX, IN XXXX EQUIFAX ALSO CONTINUES TO FALSE REPORT XXXX XXXX AS A OPEN STATUS WHICH INACCURATE THEY KEEP FURNISHING A PAST DUE ON A COLLECTION WHICH IS A CLEAR VIOLATION THE METRO 2 STANDARD HAS BEEN BROKEN IT SHOULD BE 100 PERCENT ACCURATE ACCORDING TO THE FCRA Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.

Company response to consumer: Closed with explanation