Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (UT)

As of XX/XX/2024 Ive recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or havent gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. 
Secondly according to the 15 USC 1681.The law clearly states XXXX. Accuracy and fairness of credit reporting. The Congress makes the following findings : XXXX. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable proceduresIt is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
The following accounts is in clear violation of my privacy as a federally protected consumer. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following account be DELETED from my credit report and all other Credit reporting Agencies that you furnish this deceptive and degrading information to immediately. 
XXXX filed XX/XX/2024 XXXX number XXXX Bankruptcy disposition XXXX XXXX XXXX following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. 
I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO HAVE ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT. 
15USC 1681 ( a ) ( 4 ) A consumer has the right to Privacy- There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
You Are in Federal Violation on my rights, as a federally protected consumer who have the right to privacy. 
In addition, I demand to have a copy of my updated consumer report once the following changes have been made. 
Date reported XX/XX/2024 XXXX XXXX XXXX XXXX. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. 
I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO HAVE ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT. 
15USC 1681 ( a ) ( 4 ) A consumer has the right to Privacy- There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
You Are in Federal Violation on my rights, as a federally protected consumer who have the right to privacy. 
In addition, I demand to have a copy of my updated consumer report once the following changes have been made. I've called and disputed this placement on my credit report and was asked to send in my personal information with proof of address and yet no response. I will not keep entertaining this stall tactic from Equifax after I've already submitted my information by mail. This preach to my privacy and putting my personnel information at risk for theft.