Consumer complaint received 2024-10-14
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: EQUIFAX, INC. (GA)

To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately. 
XXXX XXXX XXXX Equifax Account # : XXXX Account Description : Individual Account Rating : CollectionOrChargeOff Account Status : Closed Account Type : Installment Balance Owed : {$9200.00} Closed Date : -- Credit Limit : XXXX Creditor Remarks : PROFIT AND LOSS WRITEOFF Creditor Type : Automotive Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : {$12000.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$460.00} Payment Frequency : -- Payment Status : CollectionOrChargeOff Term Length : -- Loan Type : -- XXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX Account Description : Individual Individual Account Rating : CollectionOrChargeOff CollectionOrChargeOff Account Status : Closed Open Account Type : Installment Installment Balance Owed : {$5400.00} {$5400.00} Closed Date : -- -- Credit Limit : XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Page 1 of 5 Creditor Remarks : ACCOUNT INFORMATION DISPUTED BY CONSUMER -- Creditor Type : Finance Finance Date Opened : XXXX XXXX Date Reported : XXXX XXXX Date of Last Activity : XXXX XXXX Dispute Status : Y XXXX High Balance : {$12000.00} -- Last Payment : -- -- Last Verified : XXXX XXXX Past Due Amount : -- -- Payment Amount : {$0.00} {$0.00} Payment Frequency : -- -- Payment Status : CollectionOrChargeOff CollectionOrChargeOff Term Length : -- -- Loan Type : -- -- XXXX XXXX XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Description : Individual Individual Individual Account Rating : AsAgreed AsAgreed AsAgreed Account Status : Open Open Open Account Type : Revolving Revolving Revolving Balance Owed : {$50.00} {$50.00} {$50.00} Closed Date : -- -- -- Credit Limit : XXXX XXXX XXXX Creditor Remarks : -- CURRENT ACCOUNT/WAS DELINQUENT 60 DAYS PAST DUE DATE CHARGE Creditor Type : Finance Finance -- Date Opened : XXXX XXXX XXXX Date Reported : XXXX XXXX XXXX Date of Last Activity : XXXX XXXX XXXX Dispute Status : XXXX XXXX XXXX High Balance : {$65.00} {$65.00} {$65.00} Last Payment : -- -- -- Last Verified : XXXX XXXX XXXX Past Due Amount : -- -- -- Payment Amount : {$5.00} {$5.00} {$5.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SSN : XXXX XXXX : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Page XXXX of XXXX Payment Frequency : -- -- -- Payment Status : AsAgreed AsAgreed AsAgreed Term Length : -- -- -- Loan Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Description : Individual Individual Individual Account Rating : XXXX XXXX AsAgreed Account Status : Closed Closed Closed Account Type : Installment Installment Installment Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : -- -- -- Credit Limit : XXXX -- -- Creditor Remarks : CLOSED -- CLOSED OR PAID ACCOUNT/ZERO BALANCE Creditor Type : Banking Banking Banking Date Opened : XXXX XXXX XXXX Date Reported : XXXX XXXX XXXX Date of Last Activity : XXXXXXXX XXXX XXXX Dispute Status : XXXX XXXX XXXX High Balance : {$720.00} {$720.00} {$720.00} Last Payment : -- -- -- Last Verified : XXXX XXXX XXXX Past Due Amount : -- -- -- Payment Amount : {$0.00} -- -- Payment Frequency : -- -- -- Payment Status : XXXX XXXX XXXX Term Length : -- XXXX -- Loan Type : Secured Secured Secured Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Page 3 of 5 fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} 2 Defamation of character {$1000.00} 3 Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} 5 Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely XXXX XXXX