Consumer complaint received 2024-01-24
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. (IL)

Subject : Dispute of Noncompliance with Consumer Reporting Laws TO WHOM IS MAY CONCERN, I am writing to bring to your attention the willful noncompliance with the consumer reporting laws outlined in 1681n. Civil liability for willful noncompliance,. It has come to my attention that your organization has failed to comply with the requirements imposed under this subchapter with respect to my consumer information.

In accordance with the provisions stated in 1681n. Civil liability for willful noncompliance, any person failing to comply is liable to the consumer for actual damages sustained, ranging from a minimum of {$100.00} to a maximum of {$1000.00}. Additionally, punitive damages may be applicable as determined by the court, along with the costs of the legal action and reasonable attorneys fees. 

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report. 
Bankruptcy : XXXX XXXX XXXX XXXX : XXXX Please remove it from my credit report. 

2. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report. 
Bankruptcy : XXXX XXXX XXXX XXXX : XXXX Please remove it from my credit report. 

XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " XXXX XXXX  '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Furthermore, 1681n. Civil liability for willful noncompliance specifies that any person obtaining a consumer report under false pretenses or without a permissible purpose is liable for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

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 ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. ( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt. 


I kindly request that you investigate and DELETE this matter promptly to avoid further legal consequences. Please provide a written response within 15 DAYS detailing the actions taken to rectify the noncompliance. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX