Consumer complaint received 2024-02-29
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. (NC)

XXXX XXXX XXXX agent, beneficiary c/o XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ] [ XX/XX/XXXX ] Subject : Request for Correction/Update of Personal Information in Accordance with 15 USC 1681, TILA, FDCPA, FCRA, and USC 1681b ( a ) ( 2 ) - Notifying of Inaccuracies and Request for Removal of Negative Information I hope this letter finds you well. I am writing to request the correction/update of certain personal information on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 , with a specific focus on 15 USC 1681b ( a ) ( 2 ). Additionally, I wish to bring to your attention the implications of the Truth in Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ) in the credit reporting process. 

I must express my deep concern as the credit reporting agencies have knowingly furnished my consumer reports with inaccuracies multiple times without wet ink or instructions to do so. These actions have caused my family and me a great deal of injury, including [ specific consequences, such as financial hardship, denial of credit, etc. ]. 

Furthermore, I want to specifically request that ONLY positive accounts and positive inquiries should be the only items reporting to my credit, and that ALL NEGATIVE information be removed immediately. I believe that this request aligns with the principles of fair and accurate credit reporting as mandated by the FCRA, TILA, FDCPA, and other applicable statutes. 

The details of my credit report are as follows : - Full Name : XXXX XXXX XXXX, beneficiary - Date of Birth : XX/XX/XXXX - Social Security Number : - Current Address : c/o XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX ( XXXX ) XXXX XXXX Address ( if applicable ) : c/o XXXX XXXX XXXX XXXX XXXX, North Carolina, XXXX XXXX ) I have reviewed my credit report and identified inaccuracies in the mentioned details. I am providing the correct information for your records, as mandated by the FCRA, TILA, and FDCPA, and in accordance with 15 USC 1681b ( a ) ( 2 ). I kindly request that you update your records accordingly, considering these acts in addition to constitutional principles and the historical context of credit reporting agency roles. 

Enclosed with this letter are supporting documents, such as [ License and social security card ], to verify the accuracy of the updated information. Please review these documents in accordance with the FCRA, TILA, FDCPA, and the specific provisions of 15 USC 1681b ( a ) ( 2 ), and make the necessary corrections promptly. 

I understand that accurate credit reporting is crucial, as mandated by the FCRA, TILA, FDCPA, and 15 USC 1681b ( a ) ( 2 ), and I appreciate your attention to this matter. If you require any further documentation or information, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt assistance in resolving this matter while considering the FCRA, TILA, FDCPA, constitutional principles, and the historical context of credit reporting agency roles. I look forward to the updated credit report reflecting only positive information. 

Thank You XXXX : XXXX XXXX XXXX/ Agent, Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved 15 USC 1602 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1666 b 15 USC 1681 e ( b ) 15 USC 1681 i ( 5 ) 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 6802 15 USC 1692 ( C ) Privacy Act of 1974 Family And Education Act of 1974 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX