Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Subject : Formal Request to Cease Reporting of XXXX XXXX Account Due to Legal Violations Dear Credit Bureau Representative, I am writing to formally request the immediate cessation of reporting for the XXXX XXXX account on my credit report, as well as the removal of any late payments associated with this account. This request is based on multiple legal violations, including those under 15 U.S.C. 6802, 15 U.S.C. 1666b, and the Fair Credit Reporting Act ( FCRA ), among others.

Violation of Privacy Rights Under 15 U.S.C. 6802 Under 15 U.S.C. 6802, a financial institution may not disclose nonpublic personal information to third parties, including credit bureaus, without providing clear notice and an opportunity to opt out. I have never provided XXXX XXXX with authorization to report my information to the credit bureaus. Therefore, XXXX XXXX sharing of my financial data with your agency constitutes a violation of federal privacy laws, and I am exercising my right to opt out of such reporting immediately. 
Violation of 15 U.S.C. 1666b Improper Late Payment Reporting Furthermore, the late payment recorded on my account was not properly disclosed within the 21-day notice requirement outlined in 15 U.S.C. 1666b. Since I was not informed in a timely manner, XXXX XXXX negative reporting of this late payment is unlawful and must be removed immediately. The law clearly states that such notice must be physically delivered to me which means that a physical document should be placed in my hands. So, XXXX XXXX would have to show proof that I got such notice, such as providing a tracking number showing that I got such a notice, and since I didnt get such a notice, then the late payment must be deleted from my account immediately. This is the law. 
Fraudulent Activity and Inaccurate Credit Reporting Additionally, I have disputed fraudulent activity related to the financing and purchase of the vehicle associated with this account. Despite my complaints and submitted evidence, XXXX XXXX failed to investigate the matter, which violates their obligations under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ). It is illegal for a lender to report fraudulent accounts or incorrect balances, yet XXXX XXXX has done so, making the reported information inaccurate under the FCRA. 
I have provided documentation, including : My formal dispute with XXXX XXXX XXXX XXXX response and failure to investigate A settlement offer from the dealership, which I declined due to its financial harm Evidence of fraud in the transaction Request for Immediate Action Given these legal violations, I demand that : The XXXX XXXX account be removed from my credit report entirely. 
Any late payments associated with this account be deleted immediately. 
Any negative or inaccurate information related to this account be corrected in compliance with the FCRA and the Truth in Lending Act ( XXXX ). 
Failure to comply with this request will result in me pursuing legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulatory authorities. 
Please provide a written response confirming compliance with this request within 30 days from the date of this letter. I submitted to XXXX XXXX a copy of an email where the manager confessed that he overcharged me and his offer to refund a portion of the money that I was overcharged. The manager at the dealership is refusing to refund the money that they overcharged me unless I sign a release stating that I won't file a lawsuit against them for there illegal actions. I can not sign the release, as doing so would cause me more financial harm. I have attached a copy of the email conversation with the manager and the title of that file is, XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief