Consumer complaint received 2024-11-21 00:00:00
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.
State: AL

Complaint narrative:
I, Destiny XXXX, have experienced multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ). My credit report contains inaccurate, unverified, and unauthorized information, which has caused me emotional and financial distress. These violations include : Failure to Verify Accuracy Under FCRA Section 616 ( 15 U.S.C. 1681n ), the entities involved were required to verify the accuracy of the information before reporting it. They willfully reported inaccurate late payments and accounts without proper verification, which is a violation of the law and makes them liable for civil penalties of up to {$1000.00} per violation. 

Deceptive Practices Regarding My Rights According to FCRA Section 603 ( d ) ( 2 ) ( A ) ( 15 U.S.C. 1681a ), I was not informed of my right to opt out of sharing my personal information. This omission is not only deceptive but also a violation of my rights as a consumer. 

Inaccurate and Unauthorized Reporting Under FCRA Section 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ), there is a duty to avoid reporting false or misleading information. Despite this, my report includes inaccurate accounts and hard inquiries that were neither validated nor authorized. 

Debt Collection Violations Debt collectors violated the Debt Collection Practices Act ( 15 U.S.C. 1692 ) by reporting alleged debts without proper consent, leading to unwarranted contact from creditors and causing me distress.

Unauthorized Disclosure of Debt Information These same debt collectors shared my private debt information with third parties, violating regulations against such disclosures. 

Misrepresentation of Late Payments Late payments were reported on my credit file without defining what qualifies as " late, '' which is both deceptive and a violation of FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), requiring accurate and fair reporting procedures.

Unauthorized Use of My Credit Information My credit report was accessed and reported without my explicit written consent, breaching the permissible purposes outlined in FCRA Section 604 ( 15 U.S.C. 1681b ). 

Inaccurate Personal Information Incorrect addresses and other personal information remain on my credit report, even after disputes, in violation of 15 U.S.C. 1681i, which mandates the correction of disputed inaccuracies. 

These violations have had a direct and negative impact on me. I have formally demanded that the inaccuracies and unauthorized entries on my credit report be corrected, removed, or updated to reflect accurate information. This includes : Updating late payments to reflect " paid as agreed, never late. '' Deleting unauthorized hard inquiries. 
Removing incorrect addresses and inaccurate personal information. 
Deleting accounts that were added without my consent or validation. 
If these issues are not resolved promptly, I will have no choice but to seek legal remedies under the Fair Credit Reporting Act. I am entitled to fair and accurate reporting, and I will take the necessary steps to protect my rights.

Company response to consumer: Closed with non-monetary relief