Consumer complaint received 2024-04-02 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: NJ

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. 

XXXX  - XXXX - Under XXXX XXXX XXXX - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXX XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX XXXXXXXX - FDCPA XXXX False misleading information FDCPA XXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g 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 - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - FDCPA XXXX False misleading information FDCPA XXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g 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 - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Unknown - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g 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 - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX  - XXXX - FDCPA XXXX False misleading information FDCPA XXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g 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 - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Bankruptcy - XXXX - XXXX XXXX XXXX XXXX a ( XXXX ) XXXX XXXX to privacy. XXXX XXXX to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and XXXX XXXX - This account are inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

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- This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX  XXXX - Under XXXX XXXX XXXX - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 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 - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

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 - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX 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 - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

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 - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX Code XXXX - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

Bankruptcy - XXXX - XXXX XXXX XXXX XXXX a ( XXXX ) XXXX XXXX to privacy. XXXX XXXX to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and XXXX XXXX - This account are inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX  XXXX - Under XXXX XXXX XXXX - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 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 - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

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 - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Code XXXX - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

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 - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

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 - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX FUNDING - 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 - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Bankruptcy - XXXX - XXXX XXXX XXXX XXXX a ( XXXX ) XXXX XXXX to privacy. XXXX XXXX to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and XXXX XXXX - This account are inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

MRVVERVREV - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF XXXX XXXX XXXX THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX XXXX XXXX- This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

BRCLYSBANKDE - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF XXXX XXXX XXXX THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX XXXX XXXX- This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF XXXX XXXX XXXX THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX XXXX XXXX- This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 


XXXX XXXX, XXXX, and Equifax have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 explanation