Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX, I am not a third party. I am a natural person submitting this complaint, and I am requesting that these negative inaccurate items be removed from my credit report. 

XXXX XXXX XXXX Account number XXXX Account type Credit Card Responsibility Date opened XX/XX/XXXX Status Account charged off. {$6.00}, XXXX written off. {$6.00}, XXXX past due as of XXXX XXXX 
Status updated XXXX XXXX  Balance {$6500.00} Balance updated XXXX  REASON ; I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. 
This creditor has not provided me a 1099c form this account as it is being reported as CHARGED OFF. 
The debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 
The debt collector is not properly reporting on this debt. 
This account is inaccurate and needs to be removed. 
Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties. 
Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated. 

2. XXXX XXXX XXXX  Account number XXXX  Account type Secured Card Date opened XXXX Status Account charged off. {$200.00} written off. {$200.00} past due as of XXXX XXXX 
Status updated XX/XX/XXXX Balance {$200.00} Balance updated XX/XX/XXXXXXXX  REASON : I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. 
This creditor has not provided me a 1099c form this account as it is being reported as CHARGED OFF. 
The debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 
The debt collector is not properly reporting on this debt. 
This account is inaccurate and needs to be removed. 
Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties.

Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated. 

3. XXXX XXXX  Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$4000.00} Balance updated XX/XX/XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. 
This creditor has not provided me a 1099c form this account as it is being reported as CHARGED OFF.

The debt collector has not provided me proper debt validation for this alleged debt the creditor has not provided me with a ORIGINAL CONTRACT with Consent to share/ opt out of personal information being shared with 3rd parties Please delete this from my report. 
The debt collector is not properly reporting on this debt. 
This account is inaccurate and needs to be removed. 
Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties.

Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated. 

4.XXXX  XXXX XXXX Account number XXXX Account type Collection Date opened XX/XX/XXXXXXXX  Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1800.00} REASON : I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. 
The debt collector has not provided me proper debt validation for this alleged debt the creditor has not provided me with a XXXXXXXX XXXX with Consent to share/ opt out of personal information being shared with 3rd parties. Please delete this from my report.

This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. Under 15 U.S.C.1681b, 15 U.S.C.1666b and 15 U.S.C.1666 15 USC 6802B my rights was violated.

The debt collector is not properly reporting on this debt.

This account is inaccurate and needs to be removed.

Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties.

Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated. 

5.XXXX XXXXXXXX, XXXX Account number XXXX Account type Collection Responsibility Date opened XX/XX/XXXXXXXX  Status Collection account. {$840.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$840.00} REASON : I don't recognize how this account is reporting on my credit report. 
I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. 
The debt collector has not provided me proper debt validation for this alleged debt the creditor has not provided me with a ORIGINAL CONTRACT with Consent to share/ opt out of personal information being shared with 3rd parties Please delete this from my report.

This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. Under 15 U.S.C.1681b, 15 U.S.C.1666b and 15 U.S.C.1666 15 USC 6802B my rights was violated.

The debt collector is not properly reporting on this debt.

This account is inaccurate and needs to be removed.

Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties. 
Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated. 

6.XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XXXX XXXXStatus updated XX/XX/XXXX Balance {$4000.00} REASON : I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. 
The debt collector has not provided me proper debt validation for this alleged debt the creditor has not provided me with a ORIGINAL CONTRACT with Consent to share/ opt out of personal information being shared with 3rd parties Please delete this from my report.

This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. Under 15 U.S.C.1681b, 15 U.S.C.1666b and 15 U.S.C.1666 15 USC 6802B my rights was violated.

The debt collector is not properly reporting on this debt.

This account is inaccurate and needs to be removed.

Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties.

Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated.