Consumer complaint received 2024-02-24
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. (LA)

I tried to initiate verification from XXXX XXXX XXXX by certified mail on XX/XX/XXXX I requested all verification documents as outline by the FCRA ; I received delivery notification that the mail was delivered and signed by XXXX XXXX on XX/XX/XXXX. Today XX/XX/XXXX is now passed 30 days and I still have not received the requested documents I requested from carmax. I have attached the letter sent to XXXX along with the certified mailing information and delivery receipt. I also requested the bureaus to do an investigation on the account below for accuracy accounts came back verified I do not believe an investigation was done because its no way the accounts would come back verified as accurate due to the large discrepancies and information mismatch highlighted in the attached documents. I have attached the many violations such as the account being constantly updated as a charge off therefore reaging the account this is a violation of my consumer rights and I demand this inaccurate account to be DELETED from being furnished on my consumer reports! This is the final request for account deletion my privacy has been violated this is direct violation of my consumer rights as outline by the FCRA I will be requesting {$1000.00} in damages due to failure of investigation please re-investigate and remove this account. 
ACCOUNT : XXXX XXXX XXXX Account Number # XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
This account is inaccurate because it is reporting the balance of {$25000.00} when I paid taxes on this entire amount this is not a charge off this is GROSS income and was filed on my XXXX taxes income CAN NOT be reported to my consumer reports again I demand DELETION! I demand you to CEASE and DESIST the reporting of incorrect/in accurate information immediately.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 ; I kindly request that the inaccurate account entries be promptly investigated and removed in accordance with the FCRA, FDCPA , and all relevant consumer protection laws.You have not followed 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Duty : a moral or legal obligation ; a responsibility. 
Accurate : correct in all details ; exact Prohibition : a law or regulation forbidding something. 
You have caused me and my family severe harm due to your negligence and INACCURATE reporting. This is a final opportunity to Cure and DELETE this Erroneous, inaccurate account from my Consumer report.

This is the final request for account deletion my privacy has been violated this is direct violation of my consumer rights as outline by the FCRA. Failure to follow reasonable procedures to assure maximum possible accuracy of my information as a consumer is NEGLIGENT and causing emotional distress and humiliation.

AGAIN THERE ARE LARGE DISCREPANCIES ALL OVER THESE ACCOUNTS LISTED AS HIGHLIGHTED AND ATTACHED YOU ARE CONTINUING TO VIOLATE 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) BY FURNISHING THESE INACCURATE ACCOUNTS. I HAVE BOUGHT IT TO THE CREDITORS ATTENTION AND THE CONSUMER REPORTING AGENCIES THIS IS MY FINAL WARNING!!