Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ga XXXX XXXX  Date of Birth XXXX XXXX Last four of social#XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Georgia XXXX XXXX Date of Birth: XXXX XXXX  SS#: XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Subject: Second FORMAL DEMAND FOR IMMEDIATE REMOVAL OF OUTDATED AND XXXX ERRONEOUS INFORMATION  ADVERSE ACTION RESULTING FROM YOUR VIOLATIONS \n To Whom It May Concern, XXXX This letter serves as a Second formal demand under the Fair Credit Reporting Act XXXX (FCRA), specifically 15 U.S.C.  1681c, for the immediate removal of obsolete, inaccurate, XXXX  and illegally reported information from my credit file. Equifaxs failure to comply with the XXXX  legally mandated reporting period has directly resulted in adverse action against me, XXXX including the denial of employment opportunitiesan outcome directly attributable to XXXX your unlawful reporting practices. XXXX I am fully aware of my rights under the FCRA, and I will not tolerate Equifaxs reckless XXXX disregard for federal law. In XXXX XXXX XXXX XXXX XXXX XXXX, the Ninth Circuit Court of XXXX Appeals reinforced the strict limitations imposed by the FCRA, ruling that consumer XXXX reporting agencies cannot include certain adverse information beyond the statutory XXXX  timeframe. Your failure to adhere to these reporting guidelines constitutes willful XXXX noncompliance, as outlined in 15 U.S.C.  1681n, exposing Equifax to legal liability for XXXX damages, including punitive remediesXXXX XXXX Because of Equifaxs negligent and unlawful reporting, I have suffered financial and XXXX  professional harm, including the loss of employment opportunities due to inaccurate or XXXX  outdated negative information being improperly included in my consumer report. This is XXXX unacceptable, and I demand the immediate deletion of the following erroneous and XXXX outdated items from my credit report: XXXX Accounts XXXX 1. The following personal information is incorrect XXXX Account Number: XXXX PREVIOUS ADDRESS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry: XXXX XXXX Please remove it from my credit report. XXXX  3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry: XXXX XXXX  Please remove it from my credit report. XXXX 4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX  Date of inquiry: XXXX XXXX  Please remove it from my credit report. XXXX 5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX XXXX  Account Number: XXXXXXXX XXXX Please remove it from my credit report. XXXX 6. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX XXXX  Account Number: XXXX XXXX Please remove it from my credit report. XXXX 7. 1681i Procedure in Case of Disputed Accuracy- INCOMPLETE AND INACCURATE \n INFORMATION XXXX XXXX XXXX Account Number: XXXX XXXX Please remove it from my credit report. XXXX 8. 1681i Procedure in Case of Disputed Accuracy- INCOMPLETE AND INACCURATE XXXX INFORMATION XXXX XXXX XXXX XXXX Account Number: XXXXXXXX XXXX Please remove it from my credit report. XXXX 9. 15 U.S.C. 1681e(b) Duty to Ensure Maximum Accuracy XXXX XXXX XXXX XXXX  Account Number: XXXX \n Please remove it from my credit report. XXXX 10. There is some inaccurate information reportingXXXX XXXX XXXX XXXX XXXX XXXX  Account Number: XXXX \n Please remove it from my credit report. \n 11. 15 U.S.C. 1681e(b) Duty to Ensure Maximum Accuracy XXXX XXXX XXXX XXXX Account Number: XXXX \n Please remove it from my credit report. XXXX 12. 1681i Procedure in Case of Disputed Accuracy- INCOMPLETE AND INACCURATE XXXX  INFORMATION XXXX Account Number: XXXX  \n Please remove it from my credit reportXXXX XXXX 13. 1681i Procedure in Case of Disputed Accuracy- INCOMPLETE AND INACCURATE XXXX INFORMATION XXXX XXXX XXXX XXXX XXXX Account Number: XXXX \n Please remove it from my credit report. XXXX 14. 1681i Procedure in Case of Disputed Accuracy- INCOMPLETE AND INACCURATE XXXXn INFORMATION \n DPT ED/XXXX \n Account Number: XXXX  \n Please remove it from my credit report. \n 15. 1681i Procedure in Case of Disputed Accuracy- INCOMPLETE AND INACCURATE \n INFORMATION \n DPT ED/XXXX \n Account Number: XXXX \n Please remove it from my credit report. \n 16. 1681i Procedure in Case of Disputed Accuracy- INCOMPLETE AND INACCURATE \n INFORMATION \n DPT ED/XXXX  \n Account Number: XXXX  \n Please remove it from my credit report. \n Delete this account. \n Oh by the way I hope you understand that the FCRA states in the section \n below \n Adverse Action Notice: \n I also want to bring to your attention that the continued reporting of this unvalidated debt \n has had a significant adverse impact on my life. I was recently denied credit when \n applying for a job, as the employer conducts a credit check as part of their hiring \n process. The adverse information you reported contributed directly to my \n disqualification. This constitutes an adverse action under the  Fair Credit Reporting Act \n (FCRA), 15 U.S.C.  1681m. \n The denial of employment due to this unverified and potentially inaccurate information is \n not only distressing but may also be unlawful if the debt is not properly validated. As a \n result, I am requesting that you immediately investigate this matter and cease all \n collection activities until you can provide proper validation. \n Relevant Case Law Supporting My Request: \n 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This case affirms the \n requirement that a debt collector must provide validation of the debt upon request \n and must cease collection efforts until proper validation is provided. \n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In this case, the court \n ruled that if a debt collector fails to validate a debt as requested, they cannot \n continue to pursue collection activities. \n 3XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \n This case highlights the necessity for a debt collector to provide accurate and \n complete information about the debt in question when validation is requested. \n Failure to comply with my request may constitute a violation of both the FDCPA and \n FCRA, and I reserve the right to pursue legal remedies to protect my rights. Please \n respond to this request within 30 days, as required by law. \n Pursuant to my rights under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  \n 1692(g), I am formally requesting validation of this debt. \n According to the FDCPA, I am entitled to request and obtain verification of any alleged \n debt that a debt collector claims I owe. Specifically, I request: \n 1.   Proof that your company is legally entitled to collect this debt. This includes any \n contracts, agreements, or assignments that show that you have the authority to \n collect on this debt. \n 2.   Detailed accounting of the alleged debt, including a breakdown of the amount you \n claim I owe and how it was calculated. \n 3.   Proof that I am the correct debtor. This includes any signed agreements or \n contracts that bear my signature and that demonstrate my legal obligation to pay \n this debt. \n If you claim these items are 100% accurate and verifiable, then I need you to \n provide me with copies  of any documentation associated with these items \n bearing my signature, as I believe none exists.  When you find no signed \n agreement bearing my signature, I need you to remove these items from  my file. \n Please note Im sending this letter certified to protect my rights. Ive \n researched online that you  make a habit to not comply with the above \n listed FCRA statute. If you choose to ignore my request  to block these \n items, I will be referring this matter to my attorney for further action. \n Please do not  make this a litigious matter... \n Lastly, you have 30 days to complete this investigation, as per Fair Credit \n Reporting Act Section  611(a) (1) (A), and I am keeping careful record of \n your actions, including your Method of Verification.  I do not consent to \n E-OSCAR or any means of automated verification. \n Sincerely'

Company response to consumer: Closed with non-monetary relief