Consumer complaint received 2024-06-13
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)

The accounts below are in question : XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX ) ( R ) : Please Verify for accuracy. 
( XXXX ) : XXXX Please verify accuracy. 
Status : ( INCORRECT under 15 usc 1681e ( b ) IDENTITY THEFT under 15 usc 1681s-2 and reporting information without consent is a violation ) Please verify for accuracy. 
Last Payment Date : XX/XX/XXXX XXXX  day late, XX/XX/XXXX XXXX  day late ( Reporting last payment in payment ledge on XX/XX/XXXX ). 
Opened : XX/XX/XXXX Balance : {$0.00} ( Updated XX/XX/XXXX ) Credit Limit : $ XXXXINCORRECT PAYMENT HISTORY : Co de 93, Code 59.

INCORRECT CHARGE OFF REPORTING ACTIVE : Code 68 INCORRECT INFORMATION FROM CREDITOR : Code 112 INCORRECT ACCOUNT TYPE : Code 34.

INCORRECT OF DELINQUENCY : Code 82.

Past Due Balance : {$380.00} Highest credit/Original Loan : {$380.00} Schedule Monthly Payment Amount ( XXXX ) : Missing ( Should reflect the minimum amount due ).

Amount Status ( XXXX ) : ( Charge-Off ). Tax Exempt ( GROSS INCOME ) Special Comment ( XXXX ) : DA ( Delete entire account information ) Incorrect usage.

Terms Duration ( XXXX ) : Missing ( Should be REV For revolving ) DELETE LATE PAYMENTS OR ENTIRE ACCOUNT FROM MY REPORT IMMEDIATELY UNDER 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person 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, 15 usc 1681i ( 5 ) a ( F ) ( i ) ( a ) ACCOMMODATION REVVI MVR CARD Account Number : XXXX  ( XXXX ) ( R ) : Please Verify for accuracy.

ACCOUNT SOLD OR TRANSFERED : VIOLATION 15 usc 1681e ( b ) UNVERIFIABLE.

Status : LATE PAYMENT XXXX charge off, XXXX XXXX  day, ( INCORRECT under 15 usc 1681e ( b ) IDENTITY THEFT under 15 usc 1681s-2 and reporting information without consent is a violation ) Please verify for accuracy. 
Balance : {$0.00} ( Updated XX/XX/XXXX ) XXXX XXXX : {$300.00} Past Due Balance : $ - Opened : XX/XX/XXXX Highest credit/Original Loan : $ - Amount Status ( XXXX ) : ( Charge-Off ). ACCOUNT IS FRAUD/ IDENTITY THEFT Special Comment ( XXXX ) : DA ( Delete entire account information ) Incorrect usage/ Account was opened due to Identity Theft/ FRAUD. 
INCORRECT PAYMENT HISTORY : Code 93, Code 59.

INCORRECT CHARGE OFF REPORTING ACTIVE : Code 68 INCORRECT INFORMATION FROM CREDITOR : Code 112 INCORRECT ACCOUNT TYPE : Code 34.

INCORRECT OF DELINQUENCY : Code 82.

INCORRECT OWNERSHIP/ ACCOUNT IS FRAUD : Code 24 INCORRECT RE-AGING ACCOUNT : XXXX Stop all activities/ reporting and Delete this fraudulent account from my report, This Identity theft account was sold to a debt buyer and I got the issue rectified by the debt buyer and all activities was stop and tradeline deleted. BEING THAT YOUR COMPANY, XXXX reporting such debt without my written instruction verbally this is a violation under 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person 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. DELETE IMMEDIATELY! 
XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Status : XXXX  LATE PAYMENT XX/XX/XXXX XXXX  day late, and XX/XX/XXXX XXXX  day late ( INCORRECT under 15 usc 1681e ( b ) IDENTITY THEFT under 15 usc 1681s-2 and reporting information without consent is a violation ) Please verify for accuracy. DELETE LATE PAYMENTS under 15 usc 1666B ( a ) ( b ), 15 usc 1637a ( a ) creditor / Any agency must not treat a late payment as a transaction on an open end consumer credit plan as late for any purpose. ( REMOVE AND DELETE update to PAID ON TIME/ GOOD STANDING ) Last Payment Date : XX/XX/XXXX Balance : Paid Off Credit Limit : {$1000.00} Past Due Balance : {$0.00} Opened : XX/XX/XXXX Highest credit/Original Loan : {$1000.00} INCORRECT PAYMENT HISTORY : Code 93, Code 59.

INCORRECT INFORMATION FROM CREDITOR : Code 112 INCORRECT OF DELINQUENCY : Code 82.

YOUR COMPANY, reporting such late payments with out my written instruction verbally this is a violation under 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person 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. I never made a late payment. Payment history is not accurate, or verifiable due to inaccuracies. DELETE all late payments IMMEDIATELY! 

XXXX XXXX Account # XXXX ( FRAUD ) Status : XXXX  LATE PAYMENT XX/XX/XXXX XXXX  day late, XX/XX/XXXX XXXX  day late, XX/XX/XXXX XXXX  day late, XX/XX/XXXX XXXX  day late, XX/XX/XXXX XXXX  day late, and charge - off XX/XX/XXXX ( INCORRECT under 15 usc 1681e ( b ) IDENTITY THEFT under 15 usc 1681s-2 and reporting information without consent is a violation ) Please verify for accuracy. 
Balance : {$1400.00} Credit Limit : {$1000.00} Last Payment Date : XX/XX/XXXX Past Due Balance : {$1400.00} Opened : XX/XX/XXXX Highest credit Balance/Original Loan : {$1400.00} Special Comment ( Base/19 ) : DA ( Delete entire account information ) Incorrect usage/ Account was opened due to Identity Theft.

INCORRECT PAYMENT HISTORY : Code 93, Code 59.

INCORRECT INFORMATION FROM CREDITOR : Code 112 INCORRECT OF DELINQUENCY : Code 82. 
Stop all activities/ reporting and Delete this fraudulent account from my report, This Identity theft account was sold to a debt buyer and I got the issue rectified by the debt buyer and all activities was stop and tradeline deleted. BEING THAT YOUR COMPANY, reporting such debt without my written instruction verbally this is a violation under 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person 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. DELETE IMMEDIATELY! 15 usc 1681i ( 5 ). 
XXXX XXXX XXXX XXXX ( REPORTING FALSE INFORMATION ) Account # XXXX XXXX Opened : XX/XX/XXXX XXXX  XXXX  : {$1500.00} Last updated : XX/XX/XXXX Pasyment status : pay as agreed ( NEVER LATE ) Last Payment : XX/XX/XXXX Balance {$2400.00} High Credit {$2900.00} Available Credit $ XXXX Credit Utilization : XXXX  % ( REMOVE UTILIZATION I DIDNT GIVE PERMISSION TO REPORT SUCH INFORMATION ) BLOCK UTILIZATION. REPORT XXXX  % REPORTING DELIQUENT : XX/XX/XXXX XXXX  day late, and XX/XX/XXXX 60 day late ( incorrect/unverifiable/incomplete under 15 usc 1666a ( a ) , 15 usc 1681e ( b ) Payment history Ledge : UNVERIFIABLE PAYMENT HISTORY UPDATE IMMEDIATELY OR REMOVE ENTIRE ACCOUNT DUE TO INACCURACIESAND REPORTING INFORMATION WITHOUT MY WRITTEN INSTRUCTION. 
INCORRECT PAYMENT HISTORY : Code 93, Code 59.

INCORRECT INFORMATION FROM CREDITOR : Code 112 INCORRECT OF DELINQUENCY : Code 82.

YOUR COMPANY, reporting such debt without my written instruction verbally this is a violation under 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person 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. DELETE LATE PAYMENT IMMEDIATELY! 15 usc 1681i ( 5 ). 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Status : CHARGE_OFF Account Type : REVOLVING Balance and Amounts Balance : {$1800.00} Credit Limit : {$1000.00} Available Credit : $ XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : Date of First Delinquency : XX/XX/XXXX Comments : CHARGED OFF ACCOUNT ( incorrect/incomplete account under 15 usc 1666 ( a ) a ( UNVERIFIABLE INFORMATION IS NOT XXXX  % ACCURATE ) Payment history has multiple incorrect information that is damaging my report.

Account was settled and THIS ACCOUNR WAS FILED WITH 1099c with IRS This account is Tax exempt ( Account should be liable as Gross Income ) ACCOUNT SHOULDNT BE REPORING ESPECIALLY WITH LATE PAYMENT.

ACCOUNT IS NOT A CHARGE OFF PLEASE REMOVE ACCOUNT IMMEDIATELY WITH DELETION.

Special Comment ( XXXX  ) : DA ( Delete entire account information ) Incorrect usage/ Account was opened due to Identity Theft. 
INCORRECT PAYMENT HISTORY : Code 93, Code 59.

INCORRECT INFORMATION FROM CREDITOR : Code 112 INCORRECT OF DELINQUENCY : Code 82.

Stop all activities/ reporting and Delete this fraudulent account from my report, This Identity theft account was sold to a debt buyer and I got the issue rectified by the debt buyer and all activities was stop and tradeline deleted. BEING THAT YOUR COMPANY, reporting such debt without my written instruction verbally this is a violation under 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person 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. DELETE IMMEDIATELY! 15 usc 1681i ( 5 ) DELETE LATE PAYMENTS under 15 usc 1666B ( a ) ( b ), 15 usc 1637a ( a ) creditor / Any agency must not treat a late payment as a transaction on an open end consumer credit plan as late for any purpose. ( REMOVE AND DELETE update to PAID ON TIME/ GOOD STANDING IF NOT REMOVE ENTIRE ACCOUNTFOR INACCURCIES AND NON-COMPLIANCE ) The following violations of the FCRA and other federal regulations have been identified in relation to this account : Violation of 15 U.S.C. 1681e ( b ) - Accuracy of Report : The payment history is inaccurately reported.

The last payment date is incorrect.

The account status and balance information are conflicting and not accurate. This account shows a balance despite being tax-exempt.

Information thats reporting is not 100 % accurate and the entire report is not Fairness and Accuracy.

Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( 4 ) ( 5 ) ( I ) ( ii ) - Dispute Resolution : Your company has not provided adequate documentation to verify the accuracy of this account as required.

Violation of 15 U.S.C. 1681b ( 2 ) and 15 U.S.C. 1681s-2 ( F ) ( I ) - Unauthorized Reporting : Your company reported information without my explicit consent. A consumer reporting agency can not furnish an account without my written instructions.

Violation of 15 U.S.C. 1666B ( a ) section ( b ) and 15 U.S.C. 1637a ( a ) - Incorrect Treatment of Late Payments : Reporting late payments on this account is illegal as it is treated as a transaction. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I was neve late and no documents was presented to prove such inaccuracy thats reporting.

Violation of 15 U.S.C. 1681n - Civil Liability for Willful Noncompliance : Your negative accounts are XXXX  % inaccurate because I never gave you ( XXXX, XXXX or Equifax ) written consent to have them reported. 
Reporting information that geting me denied for extended credit. 
Violation of 15 U.S.C. 1681 Section 602 - Right to Privacy : I have the right to privacy, and your company has failed to respect this right by furnishing my account information without written instructions.

I specifically Gave only one instructions and that was remove/Delete and stop all reporting activity. 
Violation of 15 U.S.C. 1681 Section 604 ( a ) Section 2 - Unauthorized Furnishing of Accounts : A consumer reporting agency can not furnish an account without my written instructions.

I never wrote to your company about reporting such information, this is invading my privacy and creditworthiness.

Given these inaccuracies, unverified reporting, and violations of federal laws, I demand that these items be immediately deleted from my credit report. The continued reporting of this erroneous information is causing significant harm, including the recent denial of credit, which is causing me distress.

This letter serves as a formal notice of pending litigation seeking relief and monetary compensation under FCRA 15 U.S.C. 1681n ( Civil liability for willful noncompliance ) and 15 U.S.C. 1681o ( Civil liability for negligent noncompliance ). If these inaccuracies are not corrected, I will file a formal complaint with the Federal Trade Commission and pursue litigation to enforce my rights and seek all remedies available to me under federal law. 
Thank you for your prompt attention to this matter.