Consumer complaint received 2024-04-27 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: FL

Complaint narrative:
For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain XXXX the Fair Credit Reporting Act this disputed item XXXX not appear on my credit report if it can not be supported by any evidence. 

XXXX XXXX Code XXXX Civil liability for willful noncompliance and XXXX XXXX Code XXXX Civil liability for negligent noncompliance and XXXX XXXX Code XXXX civil liabilityIn multiple violations and XXXX entitled to monetary compensation under FCRA XXXX XXXX. XXXX ( XXXX ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, XXXX consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of XXXX XXXX XXXX ( d ) ( XXXX ) as that information pertains to experiences Accounts listed below in green XXXX highlighted and tag as in violation under XXXX XXXX XXXX XXXX ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 
clearly in Violation of the United States XXXX Law ( TILA XXXX XXXX Code XXXX ( b ) billing error ) must update to correct as paid on time. 

XXXX. This account payment history is and error and in violation under XXXX XXXX XXXX XXXX ( b ) billing error XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. This account payment history is and error and in violation under XXXX XXXX Code XXXX ( b ) billing error XXXX XXXX Account Number : XXXX Update to Paid on time on payment history and never been late XXXX. XXXX XXXX Code XXXX ( b ) billing error is Violated XXXX Account Number : XXXX Update to Paid on time on payment history and never been late XXXX. Auto loan account In Violation under XXXX XXXX Code XXXX finance charge XXXX  Account Number : XXXX Update this Auto loan late payment history to PAID ON TIME Immediately as agreed. XXXX. XXXX XXXX finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. 



Items listed below that is tag as Unauthorize inquiries that's Violated the United States XXXX XXXX XXXX XXXX. XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data. 
Please make all listed below update or deleted in my credit report!

Company response to consumer: Closed with non-monetary relief