davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

Navient contacted my wife two weeks ago on her number leaving a message for me indicating I was 90 days past due. 

I was in a rehabilitation program where they had all my updated information such as my address and my phone number and was paying {$5.00} a month. 

No one contacted me to let me know that Navient was taking over the loan. Obviously they had updated information for hey contacted my wife ( and I've only been married a year ). 

When I called they told me they did not have the correct address, they were using an address from when I originally got the loan back a few years ago. 

Amazing how they recieved my updated telephone numbers but not my address.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

XX/XX/XXXX XXXX XXXX XXXX You : {$20.00} XX/XX/XXXX XXXX XXXX XXXX You : {$17.00} XX/XX/XXXX XXXX XXXX XXXX You : {$19.00} XX/XX/XXXX XXXX XXXX XXXX You : {$2.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$23.00} XX/XX/XXXX XXXX XXXX XXXX You : {$50.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$1.00} XX/XX/XXXX XXXX XXXX XXXX You : {$1.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$29.00} XX/XX/XXXX XXXX XXXX XXXX You : {$25.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  You : {$1.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$34.00} XX/XX/XXXX XXXX XXXX XXXX  You : {$28.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$28.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  You : {$28.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  You : {$1.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$29.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  You : {$1.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$40.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$4.00} XX/XX/XXXX XXXX XXXX XXXX You : {$25.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$27.00} XX/XX/XXXX XXXX XXXX XXXX You : {$5.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$10.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$6.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$25.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$2.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$23.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  You : {$58.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$2.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$5.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$99.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$5.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$95.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$33.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$180.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$20.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$110.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$130.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  You : {$110.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$190.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$10.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$25.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$420.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$560.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$180.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$220.00} XXXX XXXX XXXX XXXX You : {$170.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$5.00} I filed a dispute for all these transactions and let the representative know that I don't do business with this merchant. I had my debit card deactivated and replaced as well.
Consumer complaint received 2022-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American First Finance, Inc. (NC)

AMERICAN FIRST AND PARENT COMPANY is trying to collect on a alleged debt despite not creating consumer account for securitizing consumers RETAIL INSTALLMENT AGREEMENT WHICH UNDER 16 CFR 433.1 IS INDEED AN CREDIT SALE AS CONSUMERS SOCIAL SECURITY NUMBER WAS USED IN SAID TRANSACTION. stand company has not provided consumer with official treasury forms filed under consumer social number as described by congress as an credit card. CONSUMER REPORTING AGENCY XXXX HARD INQUIRES SHOWS PROOF CONSUMER CREDIT WAS PULLED. WHICH BY THE RULES GOVERN SAID COMPANY UNDER THE FCRA, FTC, AND 16 CFR 433.1, 16 CFR 433.2 AND 16 CFR 433.3 COMPANY IS BOUND TO FOLLOW ALL GUIDELINE WHEN OFFER RETAIL INSTALLMENT AGREEMENTS PER THE CONTRACT AS AN CONSUMER MY RIGHTS CAN BE AEERTED AT ANY TIME. AS FOR THE 1099C, 1099OID, 1099A THAT SAID COMPANY HAS FILED WITH TREASURY DEPARTMENT UNDER THE RULES OF THE 1099C COMPANY MUST PROVIDE CONSUMER WITH AN COPY FOR ACCURATE IRS REPORTING FOR ANY DEBT OVER XXXX. SAID COMPANY IS NOT FILING THE PROPER TAXES WITH IRS WHICH IS FRAUD. DUE TO COMPANIES UNCOMPLAINCE CONSUMER HAS FILE FORM 211 ALONG WITH OTHER APPLICABLE OMB IRS FORMS UNDER FILING IRS NUMBER XXXX WITH THE TREASURY TO AUDIT CONSUMERS ACCOUNT TO MAKE SURE ACCURATE REPORTING AND TAXES ARE RENDERED PER THE SECURITY AGREEMENT SIGNED UNDER XXXX XXXX ( PARENT COMPANY ) WITH THE SECURITY EXCHANGE COMMISSION ALONG WITH ALL OMB IRS FORMS NEEDED TO CONDUCT AN AUDIT ON CONSUMER ACCOUNT. SAID COMPANY HAS ALSO SECURITIZED CONSUMERS PROMISSORY NOTE UNDER PARENT COMPANY XXXX XXXX WITH TRADING SYMBOL XXXX ACCORDING TO XXXX FILING USING XXXX XXXX AS INDENTURE TRUSTEE OVER SAID SECURITIES YET HAVE NOT CREDITED CONSUMERS ACCOUNTS ACCURATLEY. DUE TO THE RECENT CHANGE IN CONSUMER LAWS PLEASE SERVE THIS AS NOTICE THAT UPON A VALID PROOF OF CLAIM NOTARIZED UNDER PENTALY OF PERJURY CONSUMER REFUSE TO REMIT ANY FUNDS UNTIL ALL DOCUMENTARY EVIDENCE OF THE ACCOUNTING ON THE PUBLIC AND PRIVATE SIDE OF CONSUMERS ACCOUNT. SAID COMAPANY IS ALSO IN VIOLATION OF THE TERMS IN CONDTIONS OUTLNED ON THEIR WEBSITE FOR CONSUMER PRIVACY. TERMS STATE CONSUMERS ACCOUNT INFORMATION WILL NOT BE PROVIDED TO NON AFFLIFATES OF SAID AMERICAN FIRST AND ALL SUBSIDARY COMPANIES UNDER THE PARENT COMPANY XXXX XXXX. XXXX IS NOT AN AFFIFLATE OF AMERICAN FIRST AND HAS VIOLATED ITS AGREEMENT. FEDERAL CIVIL COMPLAINT HAS BEEN FILED AND SENT REGISTERED MAIL TO PARENT COMPANY AND XXXXXXXX TRUSTEE XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CONSUMER IS DISPUTING UNDER BILLING ERROR XXXX. SAID COMPANY MUST IMMEDIATELY STOP ANY REPORTING UNTIL SAID COMPANY PROVIDE ALL INFORMATION UNDER THE PENALTY OF PERJURY FOR DOCUMENTATION
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have been going back and forth with the agencies trying to right the numerous fallacies that are being reported on my credit. This issue has been long standing for many months and items have been added without any approval or knowledge of accuracy. I am taking legal action now as I can not sit by and let the agencies continue with this fictitious reporting
Consumer complaint received 2022-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (GA)

I received a collection notification regarding a utility service for an address in XXXX Texas. This is an apparent case of ID theft since I've never lived in XXXX. The amount owed is {$340.00}. The utility company is XXXX XXXX ( account number XXXX ) and the collection company is On Line Information Services ( reference number XXXX, PIN : XXXX )
Consumer complaint received 2022-04-12
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 — Problem with personal statement of dispute
Company: U.S. BANCORP (KY)

I closed this account in XXXX due to lose of work and agreed to a string payment of XXXX dollars a month until paid off. I was notified 5 years later by phone that I had a pass due payment. Which I questioned at the time on the XXXX dollars a month until paid off. I was informed that their string payments can only go out five years, that it had gone past five years and now your responsible for the payment. I told her that it would of been nice to receive something in the mail, a phone call or something letting me know. I asked what was the remaining balance, she informed me that it was XXXX and some change. I paid the remaining balance off with the agreement with here that a late payment in XXXX would not be reported on my credit report, due to them not contacting me or sending out a statement. It still shows up as a late payment.
Consumer complaint received 2024-01-09
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: Experian Information Solutions Inc. (MO)

Absurd that as usual experian notified me again of XXXX disputes are ready and as usual once you click on it it says call because they are not available so as usual I call and get a none English speaking person who wants my whole social security number and then they say there is nothing they CAN do or ALLOWED to do
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (TN)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2022-04-12
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. (OH)

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (AL)

I HAVE CONTINUED TO COMPLAIN THAT THIS ADDRESS THAT THEY HAVE LISTED ON MY CREDIT REPORT IS NOT MINE. YET THESE COMPANIES HAVE NOT REMOVED THEM FROM MY CREDIT REPORT. I HAVE NEVER LIVED IN TEXAS AND HAVE EXPLAINED TO THESE CREDIT BUREAUS THAT I HAVE NEVER LIVED THERE AND THEY STILL HAVE NOT REMOVED THIS ADDRESS FROM MY CREDIT REPORT. I HAVE NEVER LIVED AT- XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (DC)

I open a new account with XXXX XXXX in XX/XX/XXXX and has made over Four payment which has not been reported to the credit report bureau. 

XXXX XXXX are not reporting accuracy information to the credit bureau.
Consumer complaint received 2024-04-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (FL)

On XX/XX/23 I applied for a line of credit with Headway Capital from on online advertisement. I was in need of help to keep my business going and they offered a quick response. No where in any conversation was the high interest discussed. This was a quick solution to our need. I have been maintaining making payments but it is getting increasingly hard to do so. After reviewing the line of credit with my financial advisor we discovered that the interest rate is 62.6 %!!! This is exorbitant and predatory lending! I have been advised from my business mentor to contact you to submit a complaint. I tried to get help to consolidate the debt at a lower interest rate but they said they could not work with this company. What kind of company is this that they are able to charge that kind of interest rate?!
Consumer complaint received 2023-06-29
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: RockLoans Holdings LLC (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (MN)

I opened my bank account about a month ago, but unfortunately, my debit card got lost in the mail. After waiting for XXXX days, I called the bank to request a replacement card to be sent to my new address. Meanwhile, as I needed to purchase furniture for my recent move, I attempted to use a friend 's bank account to send them money, planning to use their debit card temporarily. However, I encountered a limit on the amount I could send, which the bank informed me couldn't be changed. So, I split the payments to stay within the limit. Later, I had an issue where XXXX of the payments didn't go through, prompting me to contact the bank again. They opened a ticket, but the issue resolved itself later that day. Recently, when trying to make a purchase using XXXX XXXX, I found that my bank account was frozen. Despite speaking to customer service for XXXX days, the issue remains unresolved, causing me significant inconvenience, especially during my move.
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act The Creditor : XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX University XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX, AXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX my rights. 

Inquires XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXg XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NH)

Ive been using Coinbase since approximately XXXX of last year and in doing so I use my debit card to purchase cryptocurrency. All of the sudden out of the blue, I have been restricted from using debit cards on the exchange. When I inquire all I am told is that for the security of my account the reason why can not be disclosed. Well Im not sure why they need to keep my own account secure from me, or what damage me using my debit card to purchase cryptocurrency could be doing to the general public, but there has never been any issue with any of my payments and theres absolutely no reason why I should not be able to use my debit card as every other user of Coinbase is able to. It did not give me any information as to the reason why is unacceptable. Even though they are the largest crypto exchange in the United States they are also the most expensive and I pay fees for every single transaction and Ive paid them a lot of money and they should be looking at me as a customer and they should be putting my interest before their own. Instead of treating me like I am a prisoner and that I dont deserve transparency.
Consumer complaint received 2022-04-12
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: U.S. BANCORP (KY)

Usbank corp is not giving me all of my credit balance on my Usbank cash rewards XXXX back to me. They are refusing to give me my cash rewards balance back to me. It is unacceptable and very fraudulent for the bank to do that. I need help receiving all of my credits back from Usbank.
Consumer complaint received 2022-04-12
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. (KY)

I downloaded Experian XXXX XXXX and paid for the services and found four accounts that have been opened in my name that wasnt opened by me. My identity has been stolen and Im not sure what to about it. I know the person thats responsible for three of the accounts so what do I do?
Consumer complaint received 2022-04-12
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: CAPITAL ONE FINANCIAL CORPORATION (KY)

I downloaded XXXX XXXX XXXX and paid for the services and found four accounts that have been opened in my name that wasnt opened by me. My identity has been stolen and Im not sure what to about it. I know the person thats responsible for three of the accounts so what do I do?
Consumer complaint received 2023-06-29
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: Resurgent Capital Services L.P. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I been trying to solve this problem with agencies and debt collectors for too long now. Fraudulent items were added without permissible purpose and without being totally accurate. I am a litigious man and I am taking the necessary actions to utilize my rights under the FDRA to make sure that the agenencies comply with the law and remove these fraudulent items from my report.
Consumer complaint received 2023-06-29
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 — Investigation took more than 30 days
Company: WHEELS FINANCIAL GROUP, LLC. (FL)

800 Loanmart is company that i do not know ... this account started in XX/XX/2022 affecting my credit score .. and they can not proff this account as mine..
Consumer complaint received 2022-04-12
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX 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 XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX BANK # XXXX XXXX XXXX XXXX # XXXX, CAPITAL XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, L XXXX XXXX, XXXX XXXX XXXX, L XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions