Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in XXXX. 

Also in addition to this I want to include a previous complaint XXXX that was file and it was agreed by both CFPB and The Creditors and Bureaus that there was potential fraud. This complaint is to help aid the CFPB with more information regarding this and to close these accounts and remove them Further notes : ( Potential fraud STATUS Company responded there may be potential fraud involved on XX/XX/year> We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. ) VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT XXXX [ 15 U.S.C. 1681c ] ( a ) Requirements relating to information contained in consumer reports VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification VIOLATION COUNT 5 [ 15 U.S.C. 1681b ] 604. Permissible purposes of consumer reports VIOLATION COUNT 6 [ 15 U.S. Code 1681q ] - Obtaining information under false pretenses VIOLATION COUNT 7 [ 18 U.S. Code 1028A ] - Aggravated identity theft VIOLATION COUNT 8 [ 15 U.S. Code 1681c2 ] Block of information resulting from identity theft XXXX XXXX XXXX XXXX  Account Number XXXX XXXX ( UNVEFIABLE ) XXXX XXXX XXXX XXXX  ( XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX Account # : - XXXX XXXX XXXX XXXX Account # : - XXXX ALIVE CREDIT Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : - XXXX XXXX XXXX XXXX Account # : - XXXX XXXX XXXX Account # : - XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX SBNASELFLNDR Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX DEPT OF EDXXXX  Account # : XXXX XXXX DEPT OF ED/XXXX Account # : XXXX XXXX DEPT OF ED/XXXX Account # : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # XXXX XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX