Consumer complaint received 2024-02-07 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Fl XXXX XX/XX/XXXX XXXX, Equifax and XXXX, dispute department po box XXXX, XXXX, TX XXXX. 

Re : Dispute of Account # XXXX XXXX Dear XXXX, Equifax and XXXX I am writing to dispute the accuracy of the information on my credit report. Specifically, I would like to dispute the account referenced as # XXXX XXXXXXXX, with the creditor XXXX 

I believe that this account contains inaccurate information, and I request that you investigate and correct it in accordance with the Fair Credit Reporting Act ( FCRA ), as well as other applicable laws. I am disputing this information based on the following reasons : 1. Violation of Privacy Rights : According to the FCRA, specifically 15 USC 1681 Section 602, I have the right to privacy. Section 604 of the same Act reinforces this right. The creditor in question has violated my privacy rights by reporting this account without my written instruction, which is expressly prohibited by these sections.

2. Late Payment Inaccuracies : Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. I believe that there may be inaccuracies in the reporting of late payments related to this account. 
1- innacuraci in Account number ; in XXXX is reported as XXXXis diferent that in XXXX and Equifax XXXX 2-inaccuracies in acount status : In XXXX is reported as closed diferent that XXXX and Equifax is reported as paid 3-inaccuracies in date opened : In XXXX is reported opened XX/XX/XXXX, XXXX and Equifax is reported XX/XX/XXXX XXXXinaccuracies In number of moths ( terms ) line : XXXX and XXXX has reported 24 months, Equifax has reported 0 months 5-inaccuraciesIn payment status : XXXX has reported current XXXX has reported Late 30 days Equifax Has reported Current 6-inacuraci in las reported day : XXXX and XXXX has reported XX/XX/XXXX Equifax XX/XX/XXXX XXXXinaccuracies in comments : XXXX and Equifax has reported as closed 8-inaccuracies in last day active : XXXX has reported07/03/2023 XXXX and Equifax XX/XX/XXXX 9-innacuarqci in date of last payment, XXXX and XXXX XX/XX/XXXX Equifax has reported on XX/XX/XXXX XXXXinaccuracies on the month of reporting 30 days late : XXXX and XXXX report 30 days late In XX/XX/XXXX and Equifax has reported in may 2023, 10 diferent inaccuracies between XXXX XXXX XXXX XXXX and XXXX, credit report agencies I kindly request that you investigate the accuracy of this account, including the late payment reporting, and take the necessary actions to correct any inaccuracies in my credit report.

I understand that you have a legal obligation to investigate this dispute under the FCRA. Please provide me with the results of your investigation and any actions taken within the required time frame. 

Please note that I am making the same dispute with XXXX, Equifax, and XXXX, and I expect a thorough investigation from all three credit reporting agencies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation