Consumer complaint received 2024-05-23
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. (SC)

I hope this complaint finds you well. I am writing to formally dispute the inaccuracies present in my credit report, which have caused me significant emotional distress. I have recently obtained a copy of my credit report from your agency and was shocked to discover several erroneous entries that have negatively impacted my financial standing and overall well-being. 
XXXX XXXX has inaccurately reported on my consumer credit report. It shows the account was opened on XX/XX/year> which is incorrect. The balance is reflecting {$920.00}, which is incorrect. The original balance was {$890.00}. How is there XXXX different amounts reflected? According to 12 U.S.C 1431 banks pay securities and interest. I have sent letters expressing, that they have violated my XXXX rights. The fact that this was from the emergency room, they have violated my rights. I am allowed under the XXXX XXXX Portability and Accountability Act ( XXXX ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the XXXX does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request was twofoldvalidation of debt and XXXX authorization. I demanded they provide me with a breakdown of fees including any collection costs and medical charges, provide a copy of my signature with the provider of service to release my medical information to you, and to cease any credit bureau reporting until the debt has been validated by me. 
According to 15 U.S.C 1681 ( a ) a consumer report does not include any information as to transactions or experiences between the consumer and the person making the report. You are violating 15 U.S.C 1681 by reporting information in regard to my experiences with the people making the reports to you about me. REMOVE ALL COMMENTS in reference to my experiences with the person making the report and ALL LATE PAYMENTS, as this is also a violation. No one should know the details in regard to the transactions and experiences between me, the consumer, and the person who made the report to you. Furthermore, according to 15 U.S.C 1681a ( XXXX ) a ( iii ) it must clearly and conspicuously be disclosed to the consumer that the information will be shared, along with the option to opt out which I was never offered. This is also a violation. Because I was never given the option to opt out of my information being shared with any third parties, I am demanding the removal of ALL negative information from my report for the above-named accounts. According to 15 U.S.C 6802 ( b ) a financial institution may not disclose to a non-qualified XXXX party without giving the consumer the option to direct such information not to be disclosed nor was I provided an explanation of how I can exercise the nondisclosure option. According to 15 U.S.C 1681 ( a ) ( XXXX ) the banking system is dependent on fair and accurate reporting of consumer data. You have diminished the value of my credit reports by reporting inaccurate information, deeming my reports invaluable to me. This directly impairs the efficiency of the banking system and is a violation. I am demanding that all violations in regard to my consumer report be removed and updated report be sent to the address on file, as well as my updated report sent to anyone that has pulled my credit in the last XXXX  months so, I kindly request that you conduct a thorough investigation into these inaccuracies and promptly rectify the errors on my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute any inaccurate information and have it corrected or removed within a reasonable timeframe. I expect your agency to adhere to the legal obligations and ensure the accuracy of my credit report. Please be advised that failure to address this dispute in a timely and satisfactory manner may result in legal action being taken against your agency for the emotional distress caused by these inaccuracies. I trust that you will handle this matter with the utmost urgency and professionalism. Thank you for your immediate attention to this matter. I look forward to a prompt resolution and the restoration of my accurate credit report.