Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act. The List of Accounts Violated My Federal Rights protected by privacy and confidentiality under 15 USC 1681 XXXX  Account # XXXX  15 USC 1681 SECTION 602 A 1-STATES I have the right to privacy 15 USC SECTION 604 A SECTION 2- Also states a consumer agency can not furnish an account without written permission instruction 15 USC 1681c ( a ) ( 5 ) Section2- States no consumer reporting agency may make any consumer report containing any of the following items or information or any adverse item of information other that records of convictions of crimes which antedates the report by more than 7 years 15USC 1681s ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause its inaccurate COMMENTS CLOSED DATE LAST ACTIVE XX/XX/XXXX DATE LAST PAYMENT XX/XX/XXXX THIS ACT IS FULL OF INACCURATE INFORMATION AND NEEDS TO BE REMOVED. 
XXXX XXXX  ACT # XXXX XXXX  DATE OPEN XX/XX/XXXX {$970.00} HIGH CREDIT LIMIT $ PAST DUE {$750.00} {$970.00} CHARGE OFF LAST REPORTED XX/XX/XXXX LAST PYMNT XX/XX/XXXX XXXX REPORTS OPEN XX/XX/XXXX {$0.00} {$0.00} UNKNOWN XX/XX/XXXX XX/XX/XXXX EQUIFAX DOESNT SHOW THIS ACCOUNT HAS SO MANY INACCURANT INFORMATION NEEDS REMOVED IN VIOLATION XXXX is unacceptable. This is formal notice that your claim is disputed. 
I am requesting validation, made pursuant to FDCPA, along with local state laws. Please note validation that is competent evidence bearing my signature showing that I have or ever applied for credit. 

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 This is reference to my credit file and account you claim I applied for. Automated response or E-Oscar is unacceptable. This is formal notice that your claim is disputed. 
I am requesting validation, made pursuant to FDCPA, along with local state laws. Please note validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay you. 


XXXX XXXX ACCT # XXXX XXXX XXXX DATE OPEN XXXX/XXXX/XXXX MONTHLY PAYMENT XXXX HIGH CREDIT {$620.00} LIMIT {$600.00} PAST DUE XXXX LAST REPORTED XX/XX/XXXX LAST PYMNT XX/XX/XXXX XXXX XXXX EQUIFAX DATE XXXX XX/XX/XXXX $ 12 MONTHLY SHOWS TERMINATES LAST REPORTED XX/XX/XXXX & LAST PAYMENT INACCURATE REPORTING NEEDS REMOVED XXXX & XXXX XXXX XXXX REPORTS JOINT XXXX XXXX XXXX XXXX XX/XX/XXXX CLOSED WITH MONTHLY PYMNT OF {$0.00} 120 MONTHS HIGH CREDIT {$0.00} PAST DUE {$0.00} PAYMENT STATUS LATE 120 DAYS REPORTED XXXX XXXX XXXX BANK ACCT # XXXX XXXX ACCT STAUS PAID MONTHLY {$0.00} OPEN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX OWED {$0.00} XXXX {$4400.00} LIMIT {$4000.00} STATUS 30 DAY XX/XX/XXXX LAST ACTIVE XX/XX/XXXX LAST PAYMENT XX/XX/XXXX XXXX SHOWS PAID EQUIFAX SHOWS DISPUTE RESOLVED BUT DOESNT SHOW UPDATE THIS IA ALL INACCURATE INFORMATION NEEDS DELETED XXXX  XXXXXXXX XXXX XXXXMONTHLY PAYMRNT {$0.00} OPENED XX/XX/XXXX COLLECTION SAYS 120 DAYS PAST DUE ON CHARGE OFF XX/XX/XXXX PAST STATUE OF LIMITATIONS AND INACCURATE PLEASE DELETE XXXX  ACCT # XXXX XXXX REPORTS NOTE XXXX {$0.00} OPENED XX/XX/XXXX BALANCE {$0.00} HIGH {$8400.00} LIMIT {$0.00} PAST DUE {$0.00} COLLECTION CHARGE OFF LAST REPORT XX/XX/XXXX XXXX XXXX XX/XX/XXXX UNPAID XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX PPLEASE REMOVE INFORMATION INACCURATE XXXX XXXX  XXXX CHARGEOFF XXXX REPORTS XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX SHOWS DISPUTED BUT NOT RESIULTS THIS ACCOUNT IS INACCURATE DELETE IN VIOLATION EQUIFAX DELETED XXXX XXXX ACCT # XXXX XXXX COLLECTION OPENED XX/XX/XXXX {$290.00} LAST REPORT XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX DOESNT INACCURATE INFORMATION IN VIOLATION PEASE REMOVE XXXX  XXXX XXXX XXXX REPORTS DEROG COLLECTION CHARGE OFF OPENED XX/XX/XXXX XXXX REPORTED XX/XX/XXXX LAST ACTIVE XXXX BALANCE {$170.00} XXXX  REPORTS OPENED XX/XX/XXXX LAST ACTIVE XXXX REPORTS XX/XX/XXXX LAST ACTIVE XX/XX/XXXX INACCURATE INFORMATION IN VIOLATION PLEASE REMOVE XXXX XXXX ACCT # XXXX XXXX REPORTS XXXX XXXX CO XXXX XX/XX/XXXX $ XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAXDOESNT REPORTS XXXX XXXX XX/XX/XXXX $ XXXX XXXX XX/XX/XXXX INACCURATE INFORMATION ACCT IN VIOLATION DELETE XXXX XXXX XXXX  XXXX XXXX XXXX REPORTS CHARGEOFF OPEN XX/XX/XXXX DOA XX/XX/XXXX High {$600.00} {$600.00} Past statue on limatitons and inaccurate please delete in violation XXXX XXXX XXXX ACCT XXXX XXXX XXXX XX/XX/XXXX {$7800.00} COLLECTION CHARGE OFF XXXX XXXX SHOWS XX/XX/XXXX XXXX XX/XX/XXXX DATE OPENED INACCURATE INFORMATION IN VIOLATION DELETE XXXX XXXX XXXX XXXX ACCT XXXX XXXX SHOWS CHARGE OFF XXXX XX/XX/XXXX {$1100.00} XXXX XX/XX/XXXX DATE LAST PAYMENT XX/XX/XXXX XXXX  DATE OPENED XXXX XXXX/XXXX LAST PAYMENT XX/XX/XXXX EQUIFAX DOESNT SHOW DELETED ACCOUNT INACCURATE IN VIOLATION DELETE PORTFOLIO XXXX XXXX XXXX XXXX XXXX  SHOWS CHARGE OFF OPEN XX/XX/XXXX {$3900.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX SHOWS OPEN XX/XX/XXXX XXXX DLR XX/XX/XXXX BOTH SHOWS ACCT RESOLVED FROM DISPUTE ACCT INACCURATE IN VIOLATION EQUIFAX DELETED DELETE XXXX  XXXX XXXX XXXX ACCT XXXX XXXX XXXX CHARGE OFF OPNED XX/XX/XXXX {$2400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX EQUIFAX REMOVED ACCT IN VIOLATION INACCRATE INFORAMTION DELETE XXXX XXXX XXXX BANK ACCT XXXX XXXX SHOWS CHARGE OFF OPEN XX/XX/XXXX $ XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX DLA XX/XX/XXXX EQUIFAX DELETED INACCURATE INFORMATION IN VIOLATION PLEASE DELETE XXXX XXXX XXXX XXXX OPEN XXXX XXXX SHOWS COLLECTION OPEN XX/XX/XXXX {$67.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX IN VIOLATION OF STATUE OF LIMITATIONS AND 602 N604 PLEASE DELETE XXXX  XXXX XXXX DATE OPEN XX/XX/XXXX {$120.00} CHARGE OFF XXXX XX/XX/XXXX XXXX XX/XX/XXXX IN VIOLATION OF 602 AND 604 PLEASE DELETE XXXX XXXX XXXX REPORTS CHARGE OFF MONTHLY {$0.00} OPENED XX/XX/XXXX BALANCE {$14000.00} {$30000.00} CREDIT LINE {$0.00} PAST DUE {$14000.00} CHARGE OFF XXXX XX/XX/XXXX XXXX XXXX  DATE OPEN XX/XX/XXXX XXXX XXXX OPEN XXXX XXXX XX/XX/XXXX THIS ACCOUNT IS INACCURATE AND SHOWS IN DISPUTE ITS INVIOLATION NEEDS TO BE REMOVED AS A CHARGE OFF ASHOULD BE XXXX BALANCE BUT THIS ACCOUNT IS FULL OF INACCURATE INFORAMTION AND NEEDS DELETED XXXX XXXX XXXX SHOWS CHARGE XXXX OPENED XX/XX/XXXX $ XXXX XXXX PAST DUE {$460.00} XXXX XXXX  SHOWS XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX EQUIFAX OPEN XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX THIS ACCT IS VIOLATION AND NEEDED TO BE REMOVED XXXX XXXX XXXX XXXX OPEN XX/XX/XXXX $ XXXX {$300.00} PAST DUE {$530.00} XXXX DLA XXXX XX/XX/XXXX XXXX {$0.00} OPEN XX/XX/XXXX {$530.00} {$300.00} DLR XXXX DLP XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX {$530.00} PAST DUE {$530.00} XXXX XX/XX/XXXX XX/XX/XXXX DLA XXXX THIS ACCT IS IN VIOLATION AND NEEDS TO BE XXXX Please also be aware that any negative mark found on credit reports Including Equifax XXXX and XXXX from your company that you represent for a debt I dont owe is a violation of FDCPA and FCRA, therefore if you can not validate the debt you must request bureaus to delete. 
Pending the outcome of my investigation of any evidence that you submit you are instructed to take no action that could be detrimental to my reports. Failure to respond within 30 days of receipt of my certified letter may result in small claims.be aware I am making a careful record of my communication and the filing a complaint with the Consumer Financial Protection Bureau and Attorney General Office should you continue in noncompliance. I further remind that, as in Wenger v XXXX No 95-6445 ( C.D. Cal. Nov 14,1995 ) you may be liable for your willful noncompliance. 
Failure to response satisfactory within 30 days may result in small claims against your company seeking {$1000.00} per violation for * Defamation *Negligent Enablement of Identity Fraud *Violation of FDCPA All documentation was provided to your company via Certified mail and your company has failed to comply. 


My contact information is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX PS please beware that dependent upon response, I maybe be detailing any potential issues with your company via online public press release including documentation of any claim claims action. 

CC : : Consumer Financial Protection Bureau CC : Attorney General CC : Better Business Bureau

Company response to consumer: Closed with explanation