Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: IN
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:
Dear XXXX, I am writing to formally complain about my credit report, which contains items that are in violation of my rights as a natural person under 15 USC 1681 and the Fair Credit Reporting Act ( FCRA ). As a living human being, I have the right to privacy and confidentiality, which has been infringed upon by the consumer reporting agencies listed below. 

According to 15 USC 1681, the consumer reporting agencies are required to govern their actions in accordance with federal laws, including my rights as a consumer. However, they have repeatedly violated these laws and I demand that the accounts listed below be immediately deleted from my credit report in accordance with the FCRA. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX The consumer reporting agencies have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 , as I did not give them permission to furnish these accounts. 

I would like to draw your attention to the following federal laws which have been violated : 15 U.S.C 1681 section 602 A states that I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any 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 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Furthermore, I have noticed multiple billing errors on my credit report which are in violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Specifically, the creditor has failed to reflect properly on a statement a payment made by me or a credit issued to me. They have also made a computation error or similar error of an accounting nature on a statement. 

As per 15 U.S. Code 1666 ( b ), the creditor is required to notify me 21 days before with a statement, which they did not do. Therefore, there should be no late payments on these accounts. I demand to see hard solid proof from the creditor 's bank account that I didnt pay and was marked late, as this is clearly a billing error. The items listed below should all be updated as agreed on my consumer report. 

XXXX XXXXXXXX As a consumer, it is my right by law that these accounts be updated immediately. Failure to comply with my request will result in me seeking monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. I have also filed a complaint with the State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission regarding this matter. 

I urge you to take immediate action and rectify these violations of my consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation