Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

RE : Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Dear Equifax, This communication serves as an effort to rectify inaccurate information that has been reported in my credit report by your organization. I have recently been denied credit due to the presence of inaccuracies in the information you have published. The specific accounts in question are detailed below : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


I want to underscore that I did not provide written authorization or instructions for the inclusion of these particular transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and expunged. It is imperative to emphasize that this request is not made erroneously, nor is it based on any misrepresentation of relevant facts pertaining to the request for blocking these transactions. 

Your organization appears to be in contravention of the law, as delineated in 15 U.S.C 1681a 2 ( A ) ( i ), which stipulates that a consumer report should not contain : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' The statute explicitly dictates that Equifax making the report should not be included in my consumer report. Utilization, as an experience associated with the line of credit extended between the consumer and the reporting entity, should not be encompassed in the consumer report, as explicitly mandated by Congress. 

I insist that you promptly update my utilization to 5 % or below within 10 calendar days or expunge all utilization from the aforementioned accounts. 

Furthermore, I demand that you furnish all documents upon which you are relying for reporting accounts ( 1 ) and ( 2 ) referenced earlier. This demand is in accordance with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), which grants consumers the right to access such records. The information you are reporting is detrimental to my reputation and is adversely impacting my creditworthiness. 

Hence, I hereby request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts. 

Additionally, in addition to the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries that are older than 30 days. As per XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to provide a satisfactory response with the deletion of the aforementioned Utilization & inquiries will result in legal action being taken against your company, for which I will also seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Sincerely, XXXX XXXX XXXX