Consumer complaint received 2024-11-07 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: NC

Complaint narrative:
Dear CFPB, I am writing to formally report violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) concerning the account listed below. These violations infringe upon my federally protected rights to privacy and confidentiality, specifically under 15 U.S.C. 1681.

**Account Name : ** Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Former : XXXX, XXXX XXXX. The following personal information is incorrect Former : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

The following sections of the FCRA are particularly relevant to my case : 1. **15 U.S.C. 1681 Section 602 ( a ) ** : This section affirms my right to privacy regarding my consumer information.

2. **15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ** : This section stipulates that a consumer reporting agency can not furnish my account information without my written consent.

3. **15 U.S.C. 1681c ( a ) ( 5 ) ** : According to this section, no consumer reporting agency may include any adverse information in a consumer report if it is older than seven years, except for criminal convictions.

4. **15 U.S.C. 1681s-2 ( a ) ( 1 ) ** : This section prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

I request that you investigate this matter promptly, as these violations have caused me significant distress. I appreciate your attention to this issue and look forward to your response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation