Consumer complaint received 2024-04-23
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. (FL)

I am a XXXX XXXX XXXX XXXX XXXXt who decided to review my consumer reports and check on the status of my credit last year. To my surprise many of my consumer rights had been violated by all three credit bureaus. I have derogatory remarks that I want removed pursuant to the laws that protect me as the consumer found in 15 U.S. Code 1681. 

On Equifax this account is listed as XXXX XXXX XXXX # XXXX. 
Account Type-Detail : Collection. Date Opened : XX/XX/XXXX. Balance : { {$460.00} }. No of Months : XXXX. High Credit : { {$460.00} }. Account Type : Open Account. Date Last Active : XXXX. Comments : Consumer disputes this account information collection account. According to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, and integrity I am asking that this inaccurate information be removed Immediately. XXXX : 15 USC 1681e b Account listed as XXXX XXXX XXXX XXXXXXXX. 
Account Type-Detail : Unsecured Loan. Date Opened : XX/XX/XXXX. No of Months : Missing. High Credit : { {$1200.00} }. Account Type : Installment. Date Last Active : XX/XX/XXXX. Date of Last Payment : XX/XX/XXXX. Comments : Charged off account Unsecured. Two-Year Payment History : XXXX. This information does not match the reports of XXXX and XXXX. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, and integrity I am asking that this inaccurate information be removed Immediately. XXXX : 15 USC 1681e b Account listed as XXXX Acct # XXXX. 
Date Opened : XX/XX/XXXX. Balance : { {$0.00} }. No of Months : XXXX. High Credit : { {$2000.00} }. Date Last Active : XX/XX/XXXX. Date of Last Payment : XX/XX/XXXX. Comments : Account transferred or sold. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { XXXX, XXXX, & XXXX }. This information does not match the reports of XXXX and XXXX ; the same account number is listed as a duplicate within my consumer report. I am asking that this inaccurate information be removed Immediately. 

Account listed as XXXX Acct # XXXX. 
Date Opened : XX/XX/XXXX. High Credit : { {$1700.00} }. Date Last Active : XX/XX/XXXX. Date of Last Payment : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, & XXXX }. This information does not match the reports of XXXX and XXXX ; the same account number is listed as a duplicate within my consumer report. I am asking that this inaccurate information be removed Immediately. 

Account listed as XXXX XXXX Acct # XXXX. 
Date Opened : XX/XX/XXXX. Balance : { {$0.00} }. High Credit : { {$4000.00} }. Date Last Active : XX/XX/XXXX. Date of Last Payment : XX/XX/XXXX. XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX, XXXX, & XXXX }. This information does not match the reports of XXXX and XXXX ; the same account number is listed as a duplicate within my consumer report. Mixed matched account with XXXX different account numbers ( Account # XXXX ) was also discovered. I am asking that this inaccurate information be removed Immediately. 

Account listed as XXXX XXXX Acct XXXX Acct # XXXX. 
Date Opened : XX/XX/XXXX. High Credit : { {$3500.00} }. Date Last Active : XX/XX/XXXX. Date of Last Payment : XX/XX/XXXX. Comments : Account transferred or sold. Student loan. XXXX XXXX XXXX : OK, XXXX { XXXX, XXXX, & XXXX }. This information does not match the reports of XXXX and XXXX ; the same account number is listed again within my consumer report. Mixed matched account with XXXX different account numbers ( Account XXXX XXXXXXXX ). I am asking that this inaccurate information be removed Immediately. 

Account listed as XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Date Opened : XX/XX/XXXX. Balance : { {$1500.00} }. No of Months : XXXX. Date Last Active : XX/XX/XXXX. Date of Last Payment : XX/XX/XXXX. Comments : Auto Fixed rate. XXXX XXXX XXXX : XXXX XXXXXXXX. This information does not match the reports of XXXX and XXXX. This information does not match the reports of XXXX and Equifax. I am asking that this inaccurate information be UPDATED to XXXX or Paid As Agreed Never Late ( PAANL ). SOURCE : 15 USC 1666 B - A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. SOURCE : 15 USC 1681 a 2b- I did not give written permission to have this account furnished on my report.

I am a Federally protected consumer, per 12 CFR 1016.7 I am now opting out of any and all authorization whether it be written, non-written, verbal, or non-verbal, I the consumer may have given you.