Consumer complaint received 2024-07-02 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: GA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. I received late payments from accounts that where closed or the information didnt belong to me. According to15 U.S.C 1666B The timing of payments creditors may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

1. ( XXXX XXXX XXXX account # XXXX ) HAS VIOLATED MY RIGHTS displaying an inaccurate pass due balance of {$76.00} and this company has violated 15 usc 1692 for overly abusive debt collection practices towards a high valued consumer.

2. ( XXXX XXXXXXXX XXXX account # XXXX ) HAS VIOLATED MY RIGHTS reporting late payments without notification and reporting different due dates along with different amounts on each credit bureau. This account has violated 15 usc 1681 ( a ) this information unfair to me as a consumer to deal with false allegations.

3. ( XXXX XXXXXXXX and ACCOUNT # XXXX ) HAS VIOLATED MY RIGHTS overy reporting late payments using abusive tactics to collect a debt. This creditor shall not furnish any information relating to a consumer to any consumer reporting agency if the information is incorrect. 
4. ( XXXX XXXX AND ACCOUNT # XXXX ) HAS VIOLATED MY RIGHTS 15 usc 1681 ( a ) by reporting various combinations of incorrect amounts and due dates on each credit bureau. I also have the evidence to prove this account should be deleted. 
5. ( XXXX XXXX account # XXXX ) HAS VIOLATED MY RIGHTS according to 15 usc 1666 ( b ) late payments should not be reported to the consumer without variable cause or a disclaimer 21 days before hand. This account also is reporting different balances across the board. 
6. ( XXXX XXXX Account # XXXX ) HAS VIOLATED MY RIGHTS according to 15 usc 1681 ( a ) this creditor has excessively reached out for a debt that wasnt properly distributed and have been asked servile times to cease communication. They have reported alot of incorrect information hurting me as a consumer determinable. 
( XXXX Account number # XXXX ) HAS VIOLATED MY RIGHTS according 15 usc 1681 ( a ) this account has different past due dates and amounts. this creditor violated 15 usc 1692 ( c ) as well by abusive contacting me even after I asked to cease communication. 
( XXXX XXXX account number # XXXX ) HAS VIOLATED MY RIGHTS according to 15 usc 1681 ( a ) by reporting different information across the three bureaus. I have the information to provide evidence of inaccurate information. 
( XXXX Account number # XXXX ) HAS VIOLATED MY RIGHTS according to 15 usc 1692 by using excessive abusive communications tactics even after I discovered the information was inaccurate. 
( XXXX XXXX, XXXX Account number # XXXX ) Has VIOLATED MY RIGHTS according 15 usc 1681 ( b ) by reporting information without my consent. 15 usc 6802 states that agency can not disclose any information to a non affiliated third party. 
( XXXX XXXX Account number # XXXX ) HAS VIOLATED MY RIGHTS By reporting late payments to non affiliated third parties according to 15 usc 1666 ( b ) states a agency must not report any payment late for any purpose unless they mail it 21 days before the due date. 
( XXXX XXXX Account number # XXXX ) HAS VIOLATED MY RIGHTS according to 15 usc 1666 ( b ) states that a creditor may not treat a payment on account late for any purpose unless they send a letter 21 days before the due date. I never received a notice and they have violated 15 usc 1692 ( c ) by overly contacting me after I requested to end all communication. 
( XXXX Account # XXXX ) HAS VIOLATED MY RIGHTS BY reporting late payments without properly following protocol. According to 15 usc 1666 ( b ) a credit may not treat payment late for any purpose without 1 21 day notice before the due date. Also this account violates 15 usc 1681 by reporting different information on each credit agency. 
( XXXX XXXX XXXX Account XXXX ) HAS VIOLATED MY RIGHTS According to 15 usc 1681 because I never gave this agency consent or the right to view furnish or obtain my information.

I have numerous amounts of evidence on my credit report of incorrect information across my credit report also I would like the accounts removed for violating my rights to allow agency and creditors to furnish or obtain my information.

15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

Company response to consumer: Closed with non-monetary relief