Consumer complaint received 2024-06-04 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: OH

Complaint narrative:
please delete all the following accounts and inquiries. please delete the following accounts and inquiries 1. Pursuant to 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I did not initiate nor authorize this agency to obtain my report. It was not a firm offer of credit or insurance. 
XXXX XXXX XXXX 
Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The reporting of this account ( XXXX ) is/are violations of 15 USC1681a The Fair Credit Reporting Act 15 USC 1681 ( a ) ( 2 ) ( B ) ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ) the term consumer report does not include ( B ) any authorization. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The reporting of this account ( s ) is/are violations of 15 USC1681a The Fair Credit Reporting Act 15 USC 1681 ( a ) ( 2 ) ( B ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ) the term consumer report does not include ( B ) any authorization. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The reporting of this account ( XXXX ) is/are violations of 15 USC1681a The Fair Credit Reporting Act 15 USC 1681 ( a ) ( 2 ) ( B ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ) the term consumer report does not include ( B ) any authorization. 
XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The reporting of this account ( XXXX ) is/are violations of 15 USC1681a The Fair Credit Reporting Act 15 USC 1681 ( a ) ( 2 ) ( B ) ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ) the term consumer report does not include ( B ) any authorization. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The reporting of this account ( s ) is/are violations of 15 USC1681a The Fair Credit Reporting Act 15 USC 1681 ( a ) ( 2 ) ( B ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ) the term consumer report does not include ( B ) any authorization. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. .This account is reporting a different high credit amount a different last reported date and a different date last active which are violations pursuant to 15 USC 1681e ( b ) for not ensuring maximum possible accuracy XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The reporting of this account ( XXXX ) is/are violations of 15 USC1681a The Fair Credit Reporting Act 15 USC 1681 ( a ) ( 2 ) ( B ) ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ) the term consumer report does not include ( B ) any authorization. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The reporting of this account ( s ) is/are violations of 15 USC1681a The Fair Credit Reporting Act 15 USC 1681 ( a ) ( 2 ) ( B ) ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ) the term consumer report does not include ( B ) any authorization. 
XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The reporting of this account ( XXXX ) is/are violations of 15 USC1681a The Fair Credit Reporting Act 15 USC 1681 ( a ) ( 2 ) ( B ) ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ) the term consumer report does not include ( B ) any authorization. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The reporting of this account ( s ) is/are violations of 15 USC1681a The Fair Credit Reporting Act 15 USC 1681 ( a ) ( 2 ) ( B ) ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ) the term consumer report does not include ( B ) any authorization. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The reporting of this account ( s ) is/are violations of 15 USC1681a The Fair Credit Reporting Act 15 USC 1681 ( a ) ( 2 ) ( B ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ) the term consumer report does not include ( B ) any authorization. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Pursuant to 15 USC 1681eb this account is in violation of maximum possible accuracy and 15 USC 1666b for violation of billing error XXXX XXXX Account XXXX : XXXX Please delete the late payment status in my credit report 1. Pursuant to 15 USC 1681eb this account is in violation of maximum possible accuracy and 15 USC 1666b for violation of billing error XXXX XXXX Account XXXX : XXXX Please delete the late payment status in my credit report

Company response to consumer: Closed with non-monetary relief