Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute Letter Emphasizing Privacy Rights and Permissible Purpose To whom it may concern, I am writing to formally dispute the presence of my credit report on file with Equifax. Under the provisions of the Gramm-Leach-Bliley Act ( 15 USC 6802 ), I have a fundamental right to privacy with regards to my financial information. Furthermore, under 15 USC 1681 ( 4 ), the Fair Credit Reporting Act recognizes the importance of ensuring the accuracy and privacy of consumer credit information.

I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established for Equifax to maintain a credit report on my behalf. Permissible purposes under the Fair Credit Reporting Act must be established, and one of these permissible purposes does not include identity theft. My dispute is rooted in the fact that Equifax never had my permission or a valid permissible purpose to furnish a credit report on my personal information.

In addition, I would like to draw your attention to 18 USC 1028a, which addresses identity theft and its associated penalties. Identity theft is a serious offense under federal law and should be treated as such. The unauthorized acquisition and use of personal information is a criminal act and goes against the principles of privacy and consumer protection. 

Moreover, XXXX XXXX XXXX requires credit reporting agencies to block information resulting from identity theft, ensuring the accuracy and privacy of consumer credit information. The identified transaction is not related to a transaction done by me. If my information has been involved in an identity theft situation, I expect Equifax to take the necessary steps to block and correct the information as required by law. 

I hereby request a thorough investigation into my dispute and the removal of my credit report from XXXX records if it is determined that no permissible purpose exists for your possession of my information. I also expect you to comply with the provisions of the Fair Credit Reporting Act, 18 USC 1028a, and 15 USC 1681c-2 to rectify any issues related to identity theft, if applicable.

Please provide a written response to this dispute within 30 days, as required by the Fair Credit Reporting Act. Include the results of your investigation and any actions taken to correct the inaccuracies or privacy breaches in my credit report. If my credit report is not removed or corrected in accordance with the law, I may have no choice but to pursue legal remedies. 
I look forward to your prompt attention to this matter and a timely resolution. 

XXXX Following Unauthorized Items Need To Be Deleted From My File Immediately! 

Collection Agency Name Account Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Number : XXXX - They furnished an account in my name that we have no written agreement. A legal contract may or may not have been signed by TWO parties and I did not participate in any of it. CEASE & DESIST. 

Chargeoffs/ Negative Accounts XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX Account Number : XXXX - Violation of 15 USC 1681s-2 for reporting inaccurate information. At the time of this agreement, I was an uninformed consumer as the agreement was not clear and conspicuous on terms and conditions. They did not disclose to me a clear and conspicuous option on how I can opt out of credit reporting which means they transferred my nonpublic personal information without lawful authority. DELETE FROM REPORTING! 

Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX