Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: NC
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:
I RECENTLY received a copy of my CONSUMER REPORT and I noticed some late payments being posted on my CONSUMER REPORT! 

XXXX XXXX Acct # XXXX dates balances are different XXXX Acct # XXXX XXXX sold this debt, ( deceptive contract the XXXX rule holder in due course rule. ) The dates do not look the same across each bureau. 
XXXX XXXX XXXX  # XXXX you can't be 90 days late and positive all the rest of the months Student Loan dropped off my report and is now reporting back on Collections dropped off XXXX but are on Equifax So much confusion on my reports and nothing is accurate.

Your company is in CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681a - Definitions ; rules of construction.

I want you to PAY CLOSE ATTENTION to the LAWS!

2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include SO THAT MEANS ALL OF THIS INFORMATION IS SUPPOSED TO BE EXCLUDED FROM MY CONSUMER REPORT!

( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So it SAYS any CREDIT CARD is supposed to be EXCLUDED from my CONSUMER REPORT! So anything that I have used my CREDIT CARD on shouldnt be REPORTED IT SHOULD BE EXCLUDED! 
So what is a CREDIT CARD? 
15 U.S. Code 1602 - Definitions and rules of construction l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
So they are NOT TALKING ABOUT A BANK CARD! They are talking about my SOCIAL SECURITY CARD! Which is a CREDIT CARD! Used to LEVERAGE MONEY! Making me the ORIGINAL CREDITOR.

On top of that you are giving my information away with out NOTIFYING ME and buying and selling it without my AUTHORIZATION!

a ) Duties of users taking adverse actions on basis of information contained in consumer reports If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer ; ( 2 ) provide to the consumer written or electronic disclosure When did you SEND ME INFORMATION of you giving my INFORMATION TO SOMEONE ELSE? When did you contact me and let me know what you were doing with my INFORMATION?

So if you do not DELETE THIS INFORMATION I WILL TAKE THE NEXT STEPS.

15 U.S. Code 1681n - Civil liability for willful noncompliance I WILL BE FORCED TO TAKE YOU TO COURT!

a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00}.

( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You have FAILED TO RESPECT MY CONSUMER RIGHTS! The information you are reporting has DAMAGED me from getting lines of CREDIT. You have VIOLATED THE LAWS time and time again. So its either you can RESPECT the laws And remove this information! Or you can pull out your CHECK BOOK and get ready to PAID ME XXXX dollars or more, due to the violations I have found! I have uploaded the errors from my credit report for your review.

Company response to consumer: Closed with explanation