Consumer complaint received 2024-06-16
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern I received a copy of my Equifax credit report and noticed items that need deletion. 

They are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in violation of the fair credit reporting act ( FCRA ), otherwise known as 1

5 USC 1681. Pursuant to 15 USC 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies, THE LAW
CLEARLY STATES : ( A ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( a ) reporting information with actual knowledge of errors A Person shall not furnish any information reliance to a consumer to any consumer reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate Clearly, prohibition means something that is not allowed. The law says a person ( you in the case ) 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. 

Accuracy is defined as a measure of value. Having this information on my credit report is not of value to me so therefore it is inaccurate and I demand it be deleted from all consumer reporting agencies. 

Lets look at has reasonable cause to believe that the information is inaccurate I CLEARLY showed you in my previous complaint ( that you received via CFPB ) that you have REASONABLE CAUSE to believe that the information in INACCURATE by me CLEARLY defining accurate and what it mean to be inaccurate and pointing out the laws that youve violated, therefore the information being inaccurate! 


While were at it, pursuant to 15 USC 1681a ( 4 ) - Congressional findings and statement of purpose, THE LAW CLEARLY STATES : ( a ) Accuracy and fairness of credit reporting The congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Clearly, my right to privacy as a consumer has been violated by publicly reporting this information when I never gave your organization permission to report my information. 



This is getting out of hand, so if you continue failing to follow the law after Ive CLEARLY showed you that you have reasonable cause to believe that the information is in fact inaccurate, this matter will result in legal actions being taken against your company, also I will be seeking a sum of {$1000.00} per violation of the following : 15 USC 1681n - Civil liability for willful noncompliance 15 USC 1681o - Civil liability for negligent noncompliance You have 14 days to respond upon receipt of this letter to delete the referenced items and send me a new letter notifying me that the information has been deleted from all consumer reporting agencies and also mail me a new copy of my report.