Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Unfortunately I may have been a victim of a data breach and may have been a victim of fraud and or identity death. The accounts listed below were never open using my consent or permissible purpose or authority. They were open using my personal private information without permissible purpose the following companies never investigated or made contact with me to validate the accuracy of these accounts Experian, Equifax, and Trans Union along with the creditors are in violation of FCRA federal law, as I was never contacted to validate the accounts mentioned. And you may be held liable pursuant to federal law title 15 USC 1681o and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law Late payments. Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) Experian a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report.

15 usc 1681a 2 a ( i ) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legal it must be updated and removed. Immediately 15 usc 1681a 2 a ( i ) 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 ; Per 15 USC 1666 ( a ) Time to make payments A creditor 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.

The following accounts have been reflecting late payments onto my consumer report, which is a violation of my consumer race. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report.. 
DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX CFR 313.7 opt out notice Per 5 USC 552a, 20 usc 1232 g and 34 CFR 99 STUDENT loans 5 USC 552a 20 usc 1232 g 34 CFR 99 I want the remarks on the these account removed from my consumer report. Accounts DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX

Company response to consumer: Closed with explanation