Consumer complaint received 2024-10-18 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: VA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am writing this letter personallynot through any third party. I am fully aware of my consumer rights, and what has occurred regarding my account is both unlawful and unacceptable. I have attached a valid identity theft report from https : //www.identitytheft.gov/. When I called to check the status of my dispute, I was informed that it was rejected because the identity theft report was deemed not real. This is absolutely false and against the law. 

I am addressing a serious violation of 15 U.S. Code 1681b, which outlines permissible purposes for accessing and using consumer reports. Specifically, under subsection ( a ) ( 2 ), no entity is allowed to obtain or report information from my consumer report without my explicit written consent. Furthermore, the account listed below is inaccurate and misleading. I have enclosed a copy of my credit report showing the disputed information. The account is being reported as a charge-off, but I have evidence ( screenshot attached ) that proves this information is incorrect. I am demanding that XXXX XXXX provide proof of my original signature and evidence showing how the account was opened. 

I was unavailable for personal reasons at the time the account was opened, and my personal information was used without my consent to create fraudulent accounts in my name. I demand that these accounts be blocked and removed immediately to prevent any further unauthorized use of my identity. This also falls under Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

I have not given XXXX XXXX any consent to open or use these accounts, and therefore, they must be removed from my credit report immediately. If this is not done, I will pursue legal action in small claims court for monetary damages. Additionally, I have already filed complaints with the Consumer Financial Protection Bureau, the Attorney Generals Office, the XXXX XXXX XXXX and the Federal Trade Commission. 


Under penalty of perjury, I state that this account is false and misleading : XXXX  XXXX Account Number : XXXX Please remove it from my credit report immediately. 


I am aware that many consumers, including myself, have been receiving generic form responses to disputes without proper investigation. This is illegal, as each dispute must be reviewed and addressed individually. 

Let me be clear : I am the author of all correspondence sent in my name, and every dispute has been submitted with my full knowledge and consent. There is no legal basis for delaying my dispute processing, and I do not require a power of attorney to exercise my rights. 

If you fail to address my concerns promptly and remove this inaccurate account, I will consider it a willful violation of my rights and proceed with legal action. XXXX XXXX and XXXX will be held accountable for damages up to {$1000.00} for each proven violationand there are plenty. 

This is a formal demand. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation