Consumer complaint received 2024-01-31 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: FL

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
ALL INFORMATION BELOW IS INCORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Employment XXXXXXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to 16 CFR 444.4 Unfair act of practice Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g You are reporting inaccurate and invalidated information on my consumer reports Pursuant to FDCPA your company is to validate/ verify prior to placing the negative alleged late payment on my consumer report. Furthermore, your company has violated federal law 15 usc 1681 ( b ) - permissible purpose for reporting this alleged negative late payment without my consent. Failure to furnish evidence that supports your claim I demand removal. 





HARD INQUIRES : XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FURNISH Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + All Banks XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX Banks ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX Banks ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX Banks ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX + All Banks ( 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 + Auto Financing XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX + Auto Financing 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 + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX Banks ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New OTHER INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief