Consumer complaint received 2024-11-20 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: SC

Complaint narrative:
I, XXXX XXXX, am addressing multiple violations related to my credit reporting under the Fair Credit Reporting Act ( FCRA ). I have noticed several issues involving my credit information, which I believe to be inaccurate and unlawful. Specifically, there have been numerous instances where my personal information, payment history, and debts have been reported incorrectly or without my consent. These violations have caused me distress, and I am exercising my rights to dispute these inaccuracies. 

What happened : Willful Noncompliance ( FCRA Section 616 ) : The credit information reported about me was not verified for accuracy, which is a violation of Section 616 of the FCRA. Under this section, there are penalties for willful noncompliance, and I demand immediate action to correct these inaccuracies. You may be liable for up to {$1000.00} per violation if this is not resolved properly.

Failure to Disclose My Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : You failed to disclose my right to opt out of sharing my personal information with third parties. This omission is a direct violation of my rights under FCRA Section 603 ( d ) ( 2 ) ( A ), which mandates transparency in how my data is shared.

Furnishing Inaccurate Information ( FCRA Section 623 ( a ) ( 3 ) ) : The credit reporting agencies and debt collectors provided inaccurate inquiries and accounts without the proper validation, violating Section 623 ( a ) ( 3 ) of the FCRA. Reporting such inaccurate information misrepresents my creditworthiness and is a deceptive practice.

Unfair Debt Collection Practices : You reported inaccurate debts and accounts that were not validated, causing me unnecessary distress and harassment. This violates the Debt Collection Practices Act, which prohibits unfair practices in debt collection and reporting.

Improper Disclosure of Debt Information : Debt collectors contacted third-party credit reporting agencies, reporting false information about my debts without my consent. This is a violation of regulations that restrict such disclosures to protect consumers from unauthorized or harmful reporting. 

Inaccurate Reporting of Late Payments : Accounts have been reported as having late payments, despite them being paid on time, particularly during the XXXX pandemic. Under FCRA Section 1681s-2 ( a ) ( 1 ) ( F ), creditors are required to report accurate payment history. These inaccuracies need to be corrected to reflect that I was never late on payments during that period. 

Unauthorized Use of My Information : You reported accounts and debts on my credit file without obtaining my written consent, violating the FCRAs permissible purpose requirement under Section 1681b ( a ) ( 2 ).

What I demand : Immediate correction of payment history for accounts, such as those with XXXX, XXXX XXXX, and XXXX  XXXX, to reflect " Paid As Agreed '' or " Never Late, '' especially considering the special circumstances surrounding the XXXX pandemic. 
Full validation of debts from debt collectors who have reported inaccurate information, including XXXX, XXXX XXXX, and XXXX XXXX, under FCRA Section 1692g. I request specific documentation, including the original application, contract, or note bearing my signature, as well as any notarized contracts between debt collectors and the original creditors.

Deletion of unauthorized accounts reported without my consent, including those listed under FCRA Section 1681b ( a ) ( 2 ). I request that you immediately remove any entries that do not comply with the permissible purposes outlined by the FCRA.

Failure to resolve these matters in a timely manner will leave me no choice but to pursue all legal remedies available to me under the Fair Credit Reporting Act, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX, and potentially taking legal action for damages due to willful noncompliance. 

I expect a prompt and thorough resolution of these disputes. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief