Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Re : Dispute of Inaccurate, Unauthorized, and Harmful Information on Credit Report To Whom It May Concern, I am writing to dispute the following inaccurate, unauthorized, and harmful information on my credit report. These items have caused significant damage to my creditworthiness and reputation. Additionally, I never provided consent for these entities to report this information, nor was I given an option to opt out, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). This situation also constitutes a deprivation of my rights under the color of law, which is a violation of 18 U.S.C. 242, and a conspiracy against my rights under 18 U.S.C. 241. 

# # # 1. XXXX XXXX XXXX XXXX  - **Account Type : ** Collection - **Date Opened : ** XX/XX/XXXX - **Status : ** Collection account, {$XXXX past due as of XX/XX/XXXX - **Violations : ** - **15 U.S.C. 1681b** : Lack of permissible purpose for reporting.

- **15 U.S.C. 1692g** : No debt validation provided.

- **15 U.S.C. 1681i** : Failure to properly reinvestigate disputed information.

- **15 U.S.C. 1681s-2 ( a ) ( 7 ) ** : No notification of negative information reporting. 
- **IRS XXXX Requirement** : No Form XXXX provided for charged-off debt, violating IRS reporting requirements. 
- **18 U.S.C . 242** : Deprivation of rights under color of law.

- **18 U.S.C . 241** : Conspiracy against rights. 

# # # 2. XXXX XXXX XXXX - **Account Type : ** Auto Loan - **Date Opened : ** XX/XX/XXXX - **Status : ** Transferred, closed, {$XXXX} written off - **Violations : ** - **15 U.S.C. 1681b** : Lack of permissible purpose for reporting.

- **15 U.S.C. 1692g** : No debt validation provided.

- **15 U.S.C. 1681i** : Failure to properly reinvestigate disputed information.

- **15 U.S.C. 1681s-2 ( a ) ( 7 ) ** : No notification of negative information reporting. 
- **IRS XXXX Requirement** : No Form XXXX provided for charged-off debt, violating IRS reporting requirements. 
- **18 U.S.C . 242** : Deprivation of rights under color of law.

- **18 U.S.C . 241** : Conspiracy against rights. 

# # # XXXX. XXXX XXXX XXXX XXXX - **Account Type : ** XXXX XXXX - XXXX Opened : ** XX/XX/XXXX - **Status : ** Collection account, {$XXXX} past due as of XX/XX/XXXX - **Violations : ** - **15 U.S.C. 1681b** : Lack of permissible purpose for reporting.

- **15 U.S.C. 1692g** : No debt validation provided.

- **15 U.S.C. 1681i** : Failure to properly reinvestigate disputed information.

- **15 U.S.C. 1681s-2 ( a ) ( 7 ) ** : No notification of negative information reporting.

- **15 U.S.C. 1681c** : Reporting past the statute of limitations.

- **12 CFR 1016.7** : Failure to inform me of opt-out rights.

- **15 U.S.C. 1692e** : False or misleading representations in collection activities. Continuing to collect on a debt they have no legal right to collect. 
- **Cease and Desist** : A cease and desist letter has been sent, yet they continue collection attempts. 
- **IRS XXXX Requirement** : No Form XXXX provided for charged-off debt, violating IRS reporting requirements. 
- **18 U.S.C . 242** : Deprivation of rights under color of law.

- **18 U.S.C . 241** : Conspiracy against rights. 

# # # 4. XXXX XXXX XXXX - **Account Type : ** XXXX XXXX - **Date Opened : ** XX/XX/XXXX - **Status : ** Collection account, {$XXXX} past due as of XX/XX/XXXX - **Violations : ** - **15 U.S.C. 1681b** : Lack of permissible purpose for reporting.

- **15 U.S.C. 1692g** : No debt validation provided.

- **15 U.S.C. 1681i** : Failure to properly reinvestigate disputed information.

- **15 U.S.C. 1681s-2 ( a ) ( 7 ) ** : No notification of negative information reporting.

- **15 U.S.C. 1681c** : Reporting past the statute of limitations.

- **12 CFR 1016.7** : Failure to inform me of opt-out rights.

- **15 U.S.C. 1692e** : False or misleading representations in collection activities. Continuing to collect on a debt they have no legal right to collect. 
- **Cease and Desist** : A cease and desist letter has been sent, yet they continue collection attempts. 
- **IRS XXXX Requirement** : No Form XXXX provided for charged-off debt, violating IRS reporting requirements. 
- **18 U.S.C . 242** : Deprivation of rights under color of law.

- **18 U.S.C . 241** : Conspiracy against rights. 

# # # XXXX. XXXX XXXX - **Account Type : ** Credit Card - **Date Opened : ** XX/XX/XXXX - **Status : ** Account charged off, {$XXXX} written off, {$XXXX} past due as of XX/XX/XXXX - **Violations : ** - **15 U.S.C. 1681b** : Lack of permissible purpose for reporting.

- **15 U.S.C. 1692g** : No debt validation provided.

- **15 U.S.C. 1681i** : Failure to properly reinvestigate disputed information.

- **15 U.S.C. 1681s-2 ( a ) ( 7 ) ** : No notification of negative information reporting.

- **IRS 1099-C Requirement** : No Form 1099-C provided for charged-off debt, violating IRS reporting requirements.

- **18 U.S.C . 242** : Deprivation of rights under color of law.

- **18 U.S.C . 241** : Conspiracy against rights. 

# # # XXXX. XXXX XXXX XXXX - **Account Type : ** Unsecured - **Date Opened : ** XX/XX/XXXX - **Status : ** Account charged off, {$XXXX} written off, {$XXXX} past due as of XX/XX/XXXX - **Violations : ** - **15 U.S.C. 1681b** : Lack of permissible purpose for reporting.

- **15 U.S.C. 1692g** : No debt validation provided.

- **15 U.S.C. 1681i** : Failure to properly reinvestigate disputed information.

- **15 U.S.C. 1681s-2 ( a ) ( 7 ) ** : No notification of negative information reporting.

- **IRS 1099-C Requirement** : No Form 1099-C provided for charged-off debt, violating IRS reporting requirements.

- **18 U.S.C . 242** : Deprivation of rights under color of law.

- **18 U.S.C . 241** : Conspiracy against rights. 

# # # Unauthorized Addresses : I am requesting the removal of the following addresses from my credit report as they are outdated and incorrect : 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 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  FCRA Sections XXXX XXXX U.S.C. 1681b : Permissible Purposes of Consumer Reports This section specifies that consumer reporting agencies can only furnish consumer reports under specific conditions, such as with the consumers consent. Outdated addresses may not meet these conditions if they no longer accurately reflect your current situation.

15 U.S.C. 1681c : Requirements Relating to Information Contained in Consumer Reports This section specifies that obsolete information, such as outdated addresses, must not be included in consumer reports.

15 U.S.C. 1681e ( b ) : Accuracy of Report Requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in the consumer report. Outdated addresses do not meet the criteria for maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Reinvestigation of Disputed Information Requires consumer reporting agencies to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and to record the current status of the disputed information or delete the item from the file.

Privacy Considerations : Gramm-Leach-Bliley Act ( GLBA ) : While not part of the FCRA, the GLBA requires financial institutions to protect the privacy of consumers ' personal information. This includes the requirement to ensure that my personal information, such as outdated addresses, is not shared or used improperly. 

Summary : 15 U.S.C. 1681b : They no longer serve a permissible purpose under the FCRA.

15 U.S.C. 1681c : They are considered obsolete and should not be included in my consumer report.

15 U.S.C. 1681e ( b ) : They do not meet the requirement for maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : They should be deleted upon reinvestigation as they are no longer accurate. 

# # # IRS Implications and Failure to Include in IRS Filings : These companies have IRS obligations when they charge off debts and report them. By failing to include me in their IRS filings or notify me properly, they are not only violating my rights under the FCRA but also potentially committing tax violations. This failure further supports my claim for the removal of these items.

# # # Legal References and Violations : - **15 U.S.C. 1681b** : Conditions for furnishing and using consumer reports.

- **15 U.S.C. 1692g** : Validation of debts.

- **15 U.S.C. 1681i** : Reinvestigation of disputed information.

- **15 U.S.C. 1681s-2 ( a ) ( 7 ) ** : Responsibilities of furnishers of information to provide notice of dispute.

- **15 U.S.C. 1681e** : Compliance procedures.

- **15 U.S.C. 1681n** : Civil liability for willful noncompliance.

- **15 U.S.C. 1681o** : Civil liability for negligent noncompliance.

- **15 U.S.C. 1681c** : Requirements relating to information contained in consumer reports.

- **12 CFR 1016.7** : Opt-out rights.

- **18 U.S.C . 242** : Deprivation of rights under color of law.

- **18 U.S.C . 241** : Conspiracy against rights.

- **15 U.S.C. 1692e** : False or misleading representations in collection activities. 

# # # Explicit Consequences : Failure to address these disputes will result in further legal action. I am prepared to escalate this matter to ensure my rights are upheld and the inaccuracies are corrected. I expect a response within the legally required timeframe. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy and integrity of the information you report. I am formally requesting an investigation into these matters and the removal of these inaccurate and unauthorized entries from my credit report. 

Please conduct a thorough investigation and provide me with written confirmation of the removal of these items. 

Thank you for your prompt attention to this matter.