Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I recently received a copy of my consumer report, and I noticed some late payments and inaccurate information on my consumer report ( See listed accounts notated ). Equifax Information Services LLC is in clear violation of the law for reporting inaccurate and incomplete credit information on my consumer file/report. The reporting of such inaccurate information has caused severe damage to my character. my reputation, my general mode of living, and my livelihood. 

ACCOUNT NAMES AND NUMBERS XXXX  XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX  XXXX Account Number xxxxxxxxxxxxxxx Under 15 U.S. Code 1681b-PERMISSIBLE PURPOSE OF CONSUMER REPORTS, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit/consumer report? NO.

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) EXCLUSIONS FROM A CONSUMER CREDIT REPORT clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term consumer report does not include- Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

According to 15 U.S. Code 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT 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 about whom the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

The law also states 15 U.S. 1681s-2- Responsibilities of furnishers information to consumer reporting agencies DUTY of FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION Reporting information with actual knowledge of errors.

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.

The notation of the late payments are inaccurate. In accordance with The Fair Credit Reporting Act these accounts have violated my rights. 15 U.S. 1666b states a creditor may not treat a payment on a credit card account under an open-end Consumer Credit plan as late for any purpose. 

Update ALL late payments reporting for XXXX  XXXX Account Number XXXX  and XXXX XXXX  Account Number XXXX  immediately to PAID AS AGREED, NEVER LATE ( PAANL ). 

DELETE and REMOVE the inaccurate XXXX  XXXX Account Number XXXX  from my consumer report immediately. The continued reporting of this inaccurate information is a clear violation of the law 15 U.S. 1681 s-2 of your responsibilities as a furnisher of information. 

Please send an updated copy of my credit report to the above address. If action is not taken as instructed in this letter, I will forward this copy to the CFPB as well as the FTC and file a formal complaint. Thank you for your prompt attention, time, and help in this matter.