Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Obligations with respect to disclosures of personal information XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXXXXXX - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX False misleading information XXXX XXXX furnishing deceptive forms. This agent is in violation of XXXX XXXX XXXX Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF XXXX XXXX XXXX THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF XXXX XXXX XXXX THESE FRAUDULENT XXXX MUST BE REMOVED IN 4 DAYS XXXX XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY XXXX IN VIOLATION OF XXXX XXXX XXXX THESE FRAUDULENT INQUIRIES MUST XXXX REMOVED IN 4 DAYS XXXX XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN XXXX OF XXXX XXXX XXXX THESE FRAUDULENT INQUIRIES MUST BE REMOVED XXXX 4 DAYS XXXX XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY XXXX IN VIOLATION OF XXXX XXXX XXXX THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN XXXX OF XXXX XXXX XXXX THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF XXXX XXXX XXXX THESE XXXX INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX XXXX XXXX XXXX Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX - XXXX XXXX Code XXXX - Compliance procedures ( b ) XXXX of report Whenever a consumer reporting XXXX prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Compliance procedures ( b ) XXXX of report Whenever a consumer reporting XXXX prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX - XXXX XXXX Code XXXX - Compliance procedures ( b ) XXXX of report Whenever a consumer reporting XXXX prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - Obligations with respect to disclosures of XXXX information XXXX XXXX XXXX XXXX XXXX XXXX XXXX  False misleading information XXXX  XXXX furnishing deceptive forms. This agent is in violation of XXXX XXXX XXXX Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Code XXXX - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX - XXXX XXXX XXXX XXXX - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about XXXX - XXXX XXXX - XXXX XXXX Code XXXX - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Obligations with respect to disclosures of personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX False misleading information XXXX  XXXX furnishing deceptive forms. This agent is in violation of XXXX XXXX XXXX Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX  - XXXX - FDCPA XXXX False misleading information FDCPA XXXX furnishing deceptive forms. This agent is in violation of XXXX XXXX XXXX Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT FM/CITIZENS - XXXX - XXXX  XXXX False misleading information XXXX  XXXX furnishing deceptive forms. This agent is in violation of XXXX XXXX XXXX Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT CITIZENS XXXX - XXXX - XXXX  XXXX False misleading information XXXX  XXXX furnishing deceptive forms. This agent is in violation of XXXX XXXX XXXX Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT EQUIFAX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF XXXX XXXX XXXX THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX XXXX XXXX XXXX DATA - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF XXXX XXXX XXXX THESE FRAUDULENT XXXX MUST BE REMOVED IN 4 DAYS XXXX XXXX XXXX CONTOUR XXXX XXXX XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF XXXX XXXX XXXX THESE FRAUDULENT INQUIRIES MUST XXXX REMOVED IN 4 DAYS XXXX XXXX XXXX Incorrect Address - XXXX XXXX CT, XXXX, NY, XXXX - XXXX XXXX XXXX XXXX XXXX Compliance procedures ( b XXXX Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Incorrect Address - XXXX XXXX XXXX, XXXX, NY, XXXX - XXXX XXXX XXXX XXXX XXXX Compliance procedures ( b XXXX Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about EMPLOYER - STUDENT - XXXX XXXX Code XXXX - Compliance procedures ( b XXXX Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Trans Union, XXXX, and Equifax have XXXX XXXX rights. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 data is inaccurate.

Company response to consumer: Closed with non-monetary relief