Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

Referring to the Fair Credit Reporting Act, specifically 15 USC 1681C ( a ) ( 5 ) explicitly states that no consumer reporting agency may include adverse information in a consumer report, except as authorized under subsection ( b ) or for records of crime convictions beyond seven years. The inclusion of this adverse item on my account without permission is a violation of the law. I recently expressed that there are non-mailable addresses on my consumer report. XXXX the XXXX agent refused to remove invalid information from my report and this places XXXX and XXXX under violation, It was requested that NON-MAILABLE addresses should be removed from my credit report. 

According to 15 U.S. Code 1681a section ( 2 ) ( A ) ( i ) Exclusions states that reporting transaction history is illegal.

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave written consent to Experian to add anything to my report that resulted in non-mailable addresses being reported as accurate information.

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general states 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. 

Experian records their calls and XXXX is the agent who I spoke with and who also refused to remove the non-mailable addresses at the consumer 's request. The phone recording is proof that XXXX an agent of XXXX has violated the act and I should be entitled to at least {$1000.00} per violation plus any other damages I have sustained as a result of XXXX 's and XXXX 's failure to comply and follow the law. 

There has been more than XXXX complaint filed on the matter of Non-mailable address removal, XXXX and XXXX have willfully been in noncompliance and can easily be proven as they had a full understanding of the violations after I submitted a complaint the XXXX time. 

15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 
( 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.

By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. 

The addresses and my name is inaccurate information on my report. Which means XXXX is in violation of the Fair Credit Reporting Act. 

Furthermore.... 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Once again XXXX was notified of inaccurate information and they have not stopped reporting this inaccurate information. They have also not provided sufficient proof that the information is actually valid. 

15 U.S. Code 1681e to maintain reasonable procedures to avoid violations of the Fair Credit Reporting Act. It appears they are not fulfilling this obligation. As a consumer reporting agency, XXXX is required to