Consumer complaint received 2024-08-04
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. (AR)

I am writing to formally dispute the inaccurate and inconsistent information reported by XXXX  XXXX # XXXXon my credit reports with XXXX, Equifax, and XXXX. The discrepancies in the reported data are substantial and have led to a misrepresentation of my credit profile. Furthermore, my account information appears to have been shared with collections without my consent, constituting a breach of privacy. I demand the immediate removal of this account from all credit reports and compensation for the harm caused by these inaccuracies and violations. 

Inaccuracies Identified 1. Date Last Active : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Payment History : XXXX : Was XXXX Days Late XXXX Time Was XXXX Days Late XXXX Time Was XXXX Days Late XXXX Time Was XXXX Days Late XXXX Time Was XXXX Days Late XXXX Time Was XXXX Days Late XXXX Time Equifax : Was 30 Days Late XXXX XXXX Was 60 Days Late XXXX Time Was 90 Days Late XXXX Time Was XXXX Days Late XXXX Times XXXX : No late payments reported Violations and Impact The discrepancies in the date last active, date of last payment, and payment history between the credit bureaus are blatant and damaging. The inconsistency in reporting late payments, with XXXX and Equifax showing extensive late payments while XXXX shows none, highlights the severe inaccuracies. Additionally, the unauthorized sharing of my account information with collections is a violation of my privacy rights. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in the reported information violate this standard. 
2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized sharing of my account information with collections without my consent constitutes a breach of my privacy rights. This involves disclosing sensitive information to third parties without proper consent or authorization.