Consumer complaint received 2025-03-26 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: PR

Complaint narrative:
I reviewed my monthly consumer report through XX/XX/XXXX and XX/XX/XXXX and I noticed your company EQUIFAX is continuing to report EXCLUSIONS on my Consumer Report as well as Trade line items on my Consumer Report that are legally EXCLUDED by law. Also, the reporting of my Transactions or Experiences on my consumer report are unlawful and are described as EXCLUSIONS according to 15 US CODE 1681a - Definitions ; rules of construction Section 2 As I have stated in the previous paragraph your company EQUIFAX has reported trade line items on my consumer report that are to be EXCLUDED by law as it is stated in 15 US CODE 1681a. This letter of dispute is not a question or concern of validation or verification of any Trade line items. But, it is a question and concern of procedure or process of the willingness of your company EQUIFAX to disregard the law while your company EQUIFAX continues to violate my rights as a consumer according to 15 US CODE 1681n Civil Liability for Willful Noncompliance and 15 US CODE 1681i Procedure in case of disputed accuracy. EQUIFAX is also expressing wilful non-compliance by continuing to violate my rights as mentioned in my opening paragraph regarding TRANSACTIONS or EXPERIENCES according to 15 US CODE 1681a - Definitions ; rules of construction section 2. Such a Trade line item depicting my Transactions or Experiences is an injurious action to me by your company EQUIFAX. Your company EQUIFAX is reporting EXCLUSIONS on my consumer report as ACCOUNT HISTORY or HISTORICAL ACCOUNTS and better known in the sections reporting tradelines as Potential Adverse Action, Not More Than Two Payments Past Due, Worst Delinquency and in its Older Derogatory section of my EQUIFAX Consumer Report. It is my right to pursue and collect damages up to {$1000.00} from your company ( EQUIFAX ) on each violation of my Consumer Report. Considering that your company EQUIFAX is wilfully non-compliant according to 15 US CODE 1681n Civil Liability for Willful Noncompliance it would be advisable of your company to consider if it is worth compensating me for its abuse of my rights as a consumer. This abuse by your company of my consumer report will no longer be tolerated as I am fully prepared to follow through by appearance or through legal representation to collect {$1000.00} in damages per violation if not more. 

15 US CODE 1681a - Definitions ; rules of construction section ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Here are the accounts by name and account number 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX VOLUNTARY SURRENDER I am demanding the following EXCLUSIONS listed above in ACCOUNT HISTORY, HISTORICAL ACCOUNTS and as Accounts with Negative Information, Past Due, Potential Adverse Action, Not More Than Two Payments Past Due, Worst Delinquency and in its Older Derogatory section be removed immediately from my EQUIFAX Consumer Report. I will reiterate. This letter of dispute is not a concern of verification or validation. The laws supporting my demands are listed below are as follows : 15 US CODE 1681a - Definitions ; rules of construction Section 2 - Exclusions subsection A subsection in - reports containing information solely as to transactions or experiences between the consumer and the person making the report. 

15 US CODE 1681i Procedure in case of disputed accuracy. 
( 7 ) Description of Reinvestigation Procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
( 8 ) Expedited Dispute Resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion. 


15 US CODE 6802 Obligations with the respect of disclosure of personal information : ( b ) OPT OUT ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 US CODE 1681b - Permissible purposes of consumer reports 15 US CODE 1681n, - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me. 

This letter of dispute is not a letter of concern regarding verification or validation. 

Send an updated copy once the item disputed has been removed. I appreciate your immediate response and attention to this matter and corrected service of my Consumer Report.

Company response to consumer: Closed with non-monetary relief