davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FOR 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 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 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 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 XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I became a victim of identity theft. I kindly ask you to help me because I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. I do not know how these items ended upon my credit report, but I never signed for or agreed to these accounts. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

Card Issuer : American Express Card Product : XXXX XXXX XXXX   There was a promotional signup offer for {$250.00} as a statement credit after spending a specified amount ( {$1000.00} ) on the card within three months of approval. 

The spend threshold was hit within the stated period but no statement credit was issued ; a complaint was submitted to American Express three months after the date the threshold was hit. It has been another two to three weeks since the initial complaint was submitted, during which time there have been multiple contacts with the company, still with no resolution. 

There have been multiple promises to resolve this issue, including an explicit indication that it would be resolved several days ago.
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Due to the loss of Employment and Covid 19 in 2019, we got behind on our mortgage payments. We are currently approx. {$15000.00} behind. We have been granted a forbearance but now it's expired and my multiple requests for modification have been denied after I've made the last 4 payments reducing the original amount from {$20000.00}.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX Re : Account # XXXX To Whom it may concern, While looking at my credit reports I have noticed inconsistencies with the information on all three credit bureaus. As you know, this is not allowed. I have disputed this account several times. 

Why does XXXX have this account showing I am still making payments? This was paid off in XXXX. 

XX/XX/XXXX. 
XXXX  Shows that I have one late payment XX/XX/XXXX, Experian reporting 31 late payments. 
XXXX  showing excellent payment history no late payments I disputed this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am getting an auto response that it will remain on my EXPERIAN reported unchanged. How when nothing was validated? 

XXXX XXXX XXXX XXXX on XXXX removed all payment history from both reports. Right before I received and update from my dispute with Experian. That this will remain unchanged. I never reported this account with XXXX or XXXX. Why would the creditor remove the payment history? 

I recently received an automated response from your e-Oscar verification which is not acceptable. No one physical contacted the Creditor asking for verification. I have attached my response I received from Creditor. If I asked Experian to help me verify this debt. How could Experian allow the Creditor to submit what I received as proof? 

Why is Creditor unclear on my request which Experian contacted for proof. I am requesting for a deletion of this account from all three Credit Agencies.
Consumer complaint received 2024-02-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (GA)

I have been an XXXX XXXX XXXX XXXX  and a XXXX XXXX XXXX XXXX for about XXXX yrs. I recently started working partime as a XXXX  so I could focus more on my business as a XXXX XXXX XXXX XXXX. NFCU denied my mortgage loan because they said my income has decreased over the past yrs despite that I have excellent credit, make over XXXX per year, and I can afford to pay for the loan. I really feel that Im being discriminated against. Why did they pre approve me for the loan and wait until the last day of underwriting to tell me this? They were aware of my income and job situation when I was pre approved!
Consumer complaint received 2020-12-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Caneel Capital, LLC (NC)

XX/XX/XXXX received notification in the mail sent by our tenant named " XXXX '' for sake of confidentiality purposes. Notification for " Complaint in Mortgage Foreclosure '' from plaintiff Trinity Financial Services , LLC located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX. 

-Case Number XXXX -Code and Classification XXXX Complaint was prepared by attorney XXXX XXXX XXXX XXXX . who represents plaintiff and works for XXXX XXXX XXXX, XXXX, located at XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, New York XXXX ( attorney state ID XXXX ) The property in question is located at XXXX XXXX XXXX XXXX, Pennsylvania XXXX ( Parcel ID : XXXX ) Allegedly Owed : Principal = {$14000.00} Regular Interest - from XX/XX/XXXX through XX/XX/XXXX @ 4 % = {$3800.00} Late Charges = {$1200.00} Annual Fees = {$30.00} Total = {$19000.00} Per Diem Interest = {$1.00} The first problem is we have never signed, discussed, partnered, contacted Trinity Financial Services. We were never informed by Trinity Financial Services LLC. We were not contacted by said institution ( Trinity Financial Services ). In fact, the only institution who has reached out and contacted us was XXXX XXXX to date. The correspondence between XXXX XXXX XXXX and property owners has been mutual and resulted in property owners owing XXXX. 

Second, my credit report indicates nothing is owed on said mortgage from XXXX XXXX XXXX. We have no business dealings, mortgages signed by us and Trinity Financial Services LLC.

Third, Trinity has not reached out or made reporting efforts to any of the following credit bureaus giving us indirect notice about our alleged debts owed on the property. WE CHECK OUR CREDIT REPORT REGULARLY AND NOTHING IS STATED REGARDING TRINITY FINANCIAL SERVICES LLC CLAIMS. 

Moreover, they have not informed property owners until XX/XX/XXXX to secure the {$4900.00} indicated in a letter ( Exhibit C ) sent to the wrong address on XX/XX/XXXX ( Sent first class and certified mail ) Fourth, the date of notification being sent to the wrong address. We currently reside at XXXX XXXX XXXX XXXX North Carolina which is public record. 

Fifth, the date of notification which reads XX/XX/XXXX, conveniently surpassing the 20 days to " take action '' against XXXX XXXX XXXX XXXX ( President of Trinity Financial Services , LLC ) Sixth, acts committed by XXXX XXXX XXXX XXXX ( President ) and Trinity Financial Services , LLC is fraudulent. Criminal violations include but are not limited to : identity theft, conspiracy to commit grand larceny and falsifying documents and statements on federal and financial documents as well as mail fraud.
Consumer complaint received 2016-09-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

received letter from Bank of America for intro. 0 % interest on balance transfers for 18 months. Called B of A, gave credit info. and was approved for a balance transfer from XXXX for approx. XXXX. I told the person I wanted to set up automatic payments at {$100.00} per month and he said no problem. I would receive a form in the mail to attach my routing no., accnt. no., and a blank check and send the info back and that would take care of that. I also stated I wanted my payments to be taken out around the XXXX of the month. I had sent the form in immediately, and expected everything to be taken care of. 
I opened a statement 3 weeks ago and learned I was late paying ( did n't make a payment in XXXX ) and needed to make a payment of about {$110.00}. to bring the account current. I called Bank of America and asked them why they had not taken {$100.00} payment and they stated I either had to make a minimum payment ( {$67.00} ) or pay the account in full. No other payments were accepted. That is not what I was told when I transferred balance. Also, my payment due date was the XXXX of the month, not the XXXX of the month that I had requested. Bank of America 's representatives give incorrect information. I closed the account this date ( XXXX/XXXX/16 ), because I do not feel B of A is either up board with info., or the representatives are incompetent. I had been charged {$60.00} in late fees, which they refunded, and I also asked that they refund the 3 % fee I was charged to do a balance transfer ( approx. {$110.00} ). I feel B of A should refund the 3 % transfer fee I was charged when I initially contacted them because I had to pay another 3 % fee to get away from them ( I did a balance transfer to XXXX today ).
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (OH)

My name is XXXX XXXX DOB XX/XX/86. I have been impacted with XXXX  SINCE XXXX! I HAVE BEEN IN CONTAXT WITH TARGET WHEN NOT on XXXX as I could. I have been in most recent contact, XXXX, XXXX, XXXX and XXXX Each month aside from XXXX, I was told, my account was covered under the assistance program for XXXX   AND NO PAYMENT WAS DUE. I THEN GET A COLLECTION CALL IN XXXX STATING I OWE {$190.00}!!! They told me all this missed COVID PAYMENTS WERE NOW ALL DUE AT ONCE!!! I HAD NO NOTICE THIS WOULD BE THE CASE, NO WRITTEN AGREEMENT NOTHING!!! THIS IS UDAAP!!! HOW CAN A PERSON IMPACTED BY COVID PAY ALL THESE PAYMENTS AT ONCE!! WELL DUE TO MY CONCERNS WITH MY CREDIT SINCE MY HUSBAND JUST DIED FROM XXXX   AND SO DID MY DAUGHTER, I NEED MY CREDIT! SO I SOLD MY WEDDING BAND TO COVER BILLS! THIS BILL! I PAID {$200.00}!!! TWO DAYS LATER MY CREDIT SCORE DROPS XXXX POINTS! WHY?! BECAUSE TARGET REPORTED ME PAST DUE!! I CALLED IN AND THE THRIRD PARTY REP TOLD ME ITD BECAUSE I HAVE NOT MADE A PAYMENT SINCE XXXX. I TOLD HIM I WAS TOLD I DID NOT HAVE TO BECAUSE I WAS ON TEH COVID PLAN. HE SAID, WELL I SEE THEY WAIVED LATE FEES FOR THOSE MONTHS, BUT I STILL HAD TO MAKE PAYMENTS - XXXX XXXX!!! TOTAL XXXX!! I WAS TOLD I DID NOT HAVE TO! 

THEY NEED TO BE INVESTIGATED FOR HOW THEIR TREATING XXXX  IMPACTED CUSTOMERS!! THEY TOLD ME I QUALIFIED FOR XXXX  ASSISTANCE, AND NO AYMENTS WERE DUE, THEN THEY DEMAND A {$190.00} PAYMENT WITH NO NOTICE AT ALL!!! THERE WAS NO AGREEMENT TO MAKE ME AWARE THAT COULD HAPPEN! 

I NOW HAVE TO CREMATE MY DAUGHTER WHO DIED FROM XXXX  BECAUSE THESE CARELESS XXXX RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!!
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I MA VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX CRAS. On XX/XX/2021, I mailed XXXX TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

The CFPB NEEDS TO INVESTIGATE THIS NOW!!! My name is XXXX XXXX DOB XX/XX/XXXX. When I spoke to the rep and paid this account in full once out of the hospital, he just me 100 % All that was owed on my account back to XXXX was a {$35.00} late fee that I filed a Reg Z dispute for and THEY NEVER RESPONDED!!!!! I ENDED UP WITH OVER A {$200.00} BALANCE OVER NOT PAYING A {$35.00} LATE FEE I DISPUTED. Then here is the best part- IT WAS WAIVED WHEN I PAID THIS ACCOUNT IN FULL BECAUSE IT WAS INVALID!!!! XXXX XXXX  is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XXXX XXXX!!! They clearly know I had XXXX  in early XXXX and did not get out of the XXXX  and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! 

They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX XXXX Account! 

I almost died from XXXX AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON XXXX XXXX CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! 

I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO XXXX MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS XXXX  RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! 

OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: KEYCORP (NY)

The account in discussion is KeyBank Account # XXXX the issue at hand is a late reported in XXXX of 2020. Due to Covid-19 I was unable to make the payment but as soon as I was able to I got the payment made right away.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian will not open a dispute on a wrong address on my credit report. 

Please remove address : XXXX XXXX XXXX XXXX, GA XXXX I never lived at this address and I have proof of my previous address and my current address. 

You can not keep an address on my credit report that I never lived at in my life that is a violation of my rights. 

I am uploading proof of address change and my old and new drivers license to proved I never lived at this address.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I have open a bank account with Wells Fargo in XXXX, Texas. On. XXXX with {$500.00} and it has not been used or touch till the XXXX, of XX/XX/2022. It was used only for XXXX  for {$55.00}. Now with me on the phone with the corporate offices of XXXX, wells fargo I was informed that the only transaction was the {$55.00} for the XXXX. I was told about {$38.00} dollars that supposly XXXX of XXXX a XXXX XXXX was submitting when I did not even pick up from that location and she had put in the notes on the computer to corporate of XXXX that I did not have a Valid ID or a major credit card at XXXXXXXX XXXX on XX/XX/2022. She had never even asked but she had canceled my reservation that was told to me directly by a corporate employee meshell at XXXX  corporate office. She had my information with my reservation that was made on XX/XX/2022. When I had spoke with XXXX from wells fargo XX/XX/2022, and XXXX on XX/XX/2022 I was informed that the only thing that was taken was the {$55.00}. And the amount in my account was {$380.00} available balance. I asked him about the acitivy he informed me of the 4 items of {$38.00} from XXXX. I then called corporate again in reference to the chargers I was told that the {$50.00} credit was put back in the account and the 4 items of {$38.00} were to be input on hold, because they were to be held untill I returned the moving vehicle. My account should not had been touch. Then I received a phone call from XXXX a employee from XXXX  telling me that there was a {$130.00} charge to my account. I called the bank and I was informed there was no charge of {$130.00} done to my account. Then corporate of XXXX  agent XXXX, I had explained all this and she sumitted the claim and I have the reference number XXXX was @ XXXXXXXX XXXX. I havehad this going on and I know it is the conversations and the Haters I have reported this to every agency including the local police and the county officials and authorities. I have all this information in reference to this ongoing problem. Thank you, one more question WHEN YOU ARE TOLD BY THE BUSSINESS AND IT IS IN THE CONTRACT THAT YOUR ACCOUNT WILL NOT BE TOUCH, AND IT IS BY SCAMMERS AND WHEN THE COMPANIES ARE AUTHORIZED TO ACCEPT CHARGERS YOIR ACCOUNT IS EMPETY LEAVING YOU NEGATIVE AND INNSUFFINET FUNDS. I am at the bank and trying to take care of the matter as I type, thank you for your time. XXXX, Texas XXXX, XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. ( XXXX ) XXXX.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

By this message I would like to ask you to recheck the information in my profile. I figured out the accounts that I do not recognize. I would like to clarify unknown accounts that appeared in my credit report. I think I am a victim of Identity theft so please check it and remove the accounts from my profile. Also please check my personal information as I believe somebody used my information. 

Thank you for understanding Looking forward for changes
Consumer complaint received 2020-06-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Each time I dispute information on account, the company puts additional incorrect information on the credit profile. The last dispute was reporting the balance. Currently the entire loan balance is being charged off. The have received partial payment from the sale of the vehicle and the amount should be reduced. This is a direct violation of the FCRA.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number : XXXX has violated my rights. 
XXXX XXXX XXXX Section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.