Consumer complaint received 2024-08-19 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: MN

Complaint narrative:
To Whom It May Concern, I am writing to demand the immediate blocking and removal of fraudulent information from my credit report. My social security number has been compromised as a result of identity theft and a data breach. Attached to this letter is the FTC Identity Theft Report I filed. You are legally obligated to block and remove the fraudulent information from my credit report within four business days of receiving this complaint, as mandated by 15 USC 1681c-2 ( c ) ( a ). The following items are disputed and must be addressed immediately : DEPT OF EDXXXX - XXXX - " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( 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 written instructions of the consumer to whom it relates. '' DEPT OF ED/XXXX - XXXX " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( 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 written instructions of the consumer to whom it relates. '' DEPT OF ED/XXXX - XXXX " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( 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 written instructions of the consumer to whom it relates. '' DEPT OF ED/XXXX  - XXXX " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( 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 written instructions of the consumer to whom it relates. '' DEPT OF ED/XXXX  - XXXX " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( 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 written instructions of the consumer to whom it relates. '' DEPT OF ED/XXXX  - XXXX " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( 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 written instructions of the consumer to whom it relates. '' DEPT OF ED/XXXX  - XXXX " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( 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 written instructions of the consumer to whom it relates. '' DEPT OF ED/XXXX  - XXXX " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( 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 written instructions of the consumer to whom it relates. '' XXXX XXXX - XXXX - " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( 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 written instructions of the consumer to whom it relates. '' XXXX XXXX  - XXXX - " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( 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 written instructions of the consumer to whom it relates. '' XXXX XXXX - XXXX - " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( 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 written instructions of the consumer to whom it relates. '' XXXX XXXX  - XXXX - " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( 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 written instructions of the consumer to whom it relates. '' XXXX XXXX  - XXXX - " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( 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 written instructions of the consumer to whom it relates. '' XXXX  XXXX XXXX  - XXXX - " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( 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 written instructions of the consumer to whom it relates. '' XXXX  XXXX XXXX XXXX - XXXX - In compliance with 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. This is clear proof that this item is reporting INCOSISTENTLY across all the displayed bureaus, an infraction of compliance! DELETE at once! 

DPT EDXXXX - XXXX " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( 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 written instructions of the consumer to whom it relates. '' Listed below are the Inquiries that are being challenged : XXXX XXXX - XXXX This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX XXXX - XXXX This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX XXXX XXXX - XXXX This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX XXXX - XXXX This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX  XXXX - XXXX This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX XXXX  XXXX XXXX XXXX - XXXX This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX XXXX XXXX - XXXX This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX XXXX - XXXX This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX XXXX - XXXX This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX XXXX  - XXXX This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX XXXX  - XXXX This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX XXXX - XXXX This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX XXXX  - XXXX This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX XXXX  - XXXX This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX XXXX  - XXXX This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX XXXX - XXXX This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX XXXX  XXXX - XXXX This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP!

Company response to consumer: Closed with non-monetary relief