Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My information has been compromised, and exposed to several XXXX XXXX. I was recently released from my employer XXXX XXXX, and denied credit due to inaccuracies reporting on my consumer report. I am promised accuracy on my consumer report based on federal law. 

The following credit agencies are reporting inaccurate, non mailable addresses which I can not received mail and do not live. Remove all XXXX addresses listed below immediately : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove The only address which should be reporting is : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 


The following accounts are inaccurately reporting. All inaccurate, and derogatory remarks need to be removed. Any collections reported needs to be removed I did not authorize any XXXX parties company accessing my information. ( XXXX XXXX XXXX ) According to the creditors terms and conditions my information was not to be shared with any third parties or affiliates. 

XXXX XXXXXXXX XXXX - XXXX. XXXX XXXXXXXX XXXX was listed as a charge off on XXXX creditor and their trustee collected payment from me on XX/XX/XXXX. This account doesn't belong to me, remove immediately.How was this account listed as a charge off, and the creditor accepted a payment from me in the total of {$270.00} on XX/XX/XXXX. A CHARGE OFF IS A CERTIFICATE OF INDEBTEDNESS WHICH MEANS IT IS INCOME AND MUST BE REMOVED.THE LAW STATES THAT IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. 


XXXX. XXXX XXXX - XXXX Remove Account Immediately ( XXXX XXXX XXXX ). This collection agency has been harassing me and taking payment out of my account in the amount $ {$110.00}. This is illegal. I don't have any contract with them. 


XXXX XXXXXXXX XXXX XXXX Remove Account XXXX XXXX not belong to me. 

XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX - Remove Account Immediately. ( XXXX XXXX XXXX ). 

According to these laws listed below this is breech of my privacy rights, which have been violated from credit agencies, creditors, trustee indentures, XXXX XXXX, XXXX, and XXXX XXXX, and several third parties. 

XXXX. ) XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX States I have the right to privacy. 

XXXX. ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : States a consumer reporting agency can not furnish a account without my written instructions. I never gave any credit agency or collection agency permission. 

XXXX. ) XXXX XXXX XXXX XXXX ( XXXX ) States if I did not give permission to have anything on my credit report it is not suppose to be there. 

XXXX. ) XXXX XXXXXXXX XXXX  XXXX - Obligations with respect to disclosures of personal information A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; XXXX. ) XXXX XXXX XXXX XXXX - XXXX of institution privacy policy XXXX. ) XXXX XXXXXXXX XXXX  XXXX - Rule-making ( A ) In general Except as provided in subparagraph ( C ), the XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to financial institutions and other persons subject to their respective jurisdiction under section XXXX of this title ( and notwithstanding subtitle B of the Consumer Financial Protection Act of XXXX [ XXXXXXXX XXXX XXXXXXXX et seq. ] ), except that the XXXX XXXX XXXX XXXX XXXX XXXX not have authority to prescribe regulations with respect to the standards under section XXXX of this title. 

XXXX. ) XXXX XXXX XXXX  XXXX - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of XXXX [ XXXX XXXX. XXXX et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the XXXX XXXX XXXX XXXX XXXX, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( XXXX ) Under section XXXX of title XXXX, by the appropriate Federal banking agency, as defined in section XXXX ( q ) of title XXXX, in the case of ( A ) national banks, XXXX branches and XXXX agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the XXXX XXXX  XXXX ( other than national banks ), branches and agencies of foreign banks ( other than XXXX branches, Federal agencies, and insured XXXX branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section XXXX or XXXX of the Federal Reserve XXXX [ XXXX XXXX. XXXX et seq., XXXX et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; XXXX. ) XXXX XXXX XXXX - XXXX of opt out notice to consumers ; opt out methods. - XXXX, XXXX, OR EQUIFAX NEVER MAILED ME OPT OUT NOTICE. 

XXXX. ) XXXX XXXX XXXX - XXXX of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of XXXX ( a ). 

XXXX. ) XXXX XXXX XXXX ( b ) states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief