Consumer complaint received 2024-04-21
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. (VA)

XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
XXXX XXXX  XXXX Account Number : XXXX Validate/inaccurate reported late payments. 

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
XXXX XXXX  XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
XXXX XXXX XXXXXXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name : XXXX  Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 
XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 
XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 
XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name : XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 
XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
XXXX XXXXXXXX XXXX XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 
XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name : XXXX Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name : XXXX  Date XXXX inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name XXXX XXXX Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name XXXX XXXX Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name : XXXX Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
XXXX XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name XXXX XXXX Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
XXXX XXXX : XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
XXXX XXXX : XXXX XXXX XXXX XXXX inquiry : XXXX XXXX, XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name : XXXX Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name XXXX XXXX  Date XXXX inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name : XXXX Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name : XXXX Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name : XXXX Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name : XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name : XXXX Date of inquiry : XX/XX/XXXX XXXX improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name : XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name XXXX XXXX Date XXXX inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name : XXXX Date XXXX XXXX : XXXX XXXX, XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 
XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name : XXXX  Date of inquiry : XXXX XXXX, XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 
XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
Creditor Name XXXX XXXX XXXX XXXXXXXX XXXX inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 
XXXX. Did not consent to unauthorized inquiry the inquiry was not authorized. 
XXXX XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) 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. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX XXXX