Consumer complaint received 2024-05-09
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. (TX)

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( a ) ( 1 ) ( A ), I hereby request the verification of the accuracy and validity of all accounts listed on my credit report. According to federal law, it is required to provide physical verification of the original signed consumer contract for these accounts. Failure to comply with this request could lead to the reporting of inaccurate or fraudulent accounts, which may adversely impact my creditworthiness.

I demand verifiable proof, specifically an original consumer contract bearing my signature, for the accounts listed below. Should you fail to provide such documentation, I request the immediate removal of these accounts from my credit report in accordance with FCRA requirements.

I am ALSO writing to express my concern and to formally dispute the unauthorized reporting of information on my credit report. This dispute is grounded in specific violations of the Fair Credit Reporting Act ( FCRA ) related to consumer privacy and the lack of permissible purpose for such reporting.

It has come to my attention that certain information has been reported on my consumer file without my explicit consent. This action directly contravenes the provisions outlined in : 15 U.S.C. 1681a ( c ), concerning the consumer 's right to privacy. The inclusion of this information without my authorization infringes upon my privacy rights as established under the FCRA.

15 U.S.C. 1681b, regarding permissible purposes of consumer reports. I have never provided written consent for XXXX or any other entity to report any information on my consumer reports. Reporting such information without my consent constitutes a clear violation of the FCRA, effectively amounting to identity theft. 


Given these serious concerns, I demand the immediate removal of the following unauthorized information from my credit report : Accounts for Verification or Removal : Account Name : XXXX Account Number : XXXX Reason : Incorrect payment history Account Name : XXXX-XXXX XXXX Account Number : XXXX Reason : Account is fraudulent Account Name : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent Additionally, in accordance with 15 U.S.C. 1681c and 15 U.S.C. 1681b, I request the removal of all non-account holding inquiries that are older than 30 days and the application of a Promotional Suppression to my credit file to prevent unauthorized access and inquiries.

To further ensure compliance with my rights under the FCRA and related consumer protection statutes, I also reference the following legal provisions : 15 U.S.C. 1681e - Compliance procedures to maintain accurate information.

15 U.S.C. 1681i - Procedures in case of disputed accuracy, emphasizing the need for a timely and thorough investigation.

15 U.S.C. 1681d - Disclosure of investigative consumer reports, underlining the importance of transparency.

15 U.S.C. 1666b - Timing of payments, highlighting the significance of accurate payment reporting.

15 U.S.C. 6802 - Obligations regarding the disclosure of personal information, ensuring the safeguarding of consumer data.

18 U.S.C. 1028- Fraud and related activity in connection with identification documents and information, underscoring the legal ramifications of mishandling consumer information. I expect a detailed response wit
hin the mandated 30-day period as outlined by the FCRA, including the results of your investigation and the actions you have taken to resolve this issue.