Consumer complaint received 2024-12-26 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : Re : CREDIT DISPUTE DEPARTMENT - Disputing error [ s ] on credit report To Whom It May Concern : The following information appears inaccurately on my EQUIFAX, XXXX and/or XXXX consumer reports. 
According to FCRA XXXX XXXX it is illegal to report anything on my credit report without my permission. Please remove the following incorrect and negative items below. 
DISPUTED ITEMS XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o I was never 30 days late with this account. 
o I was never 60 days late with this account.

o According to 12 CFR 1026.13 ( Billing Error Resolution ) ; ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. I need not pay ( State Employees Credit Union may not try to collect ) any portion of any required payment that I believe is related to the disputed amount ( including related finance or other charges ).

o According to 15 USC 1666b A Creditor may not treat a payment on a credit card account under an open nd consumer credit plan as late. 
XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o I was never 30 days late with this account. 
o I was never 60 days late with this account.

o According to 12 CFR 1026.13 ( Billing Error Resolution ) ; ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. I need not pay ( State Employees Credit Union may not try to collect ) any portion of any required payment that I believe is related to the disputed amount ( including related finance or other charges ).

o According to 15 USC 1666b A Creditor may not treat a payment on a credit card account under an open nd consumer credit plan as late.

15 U.S.C. 1681 : Establishes the importance of fair and accurate credit reporting 15 U.S.C. 1681i : Gives consumers the right to dispute inaccurate information on their credit reports DISPUTED UNAUTHORIZED INQUIRIES BELOW 15 USC 1681N Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable ; 15 USC 1681 I ( a ) consumer disputes the accuracy or completeness of information in their credit file.

DATE OF UNAUTHORIZED INQUIRY : COMPANY NAME XX/XX/XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, ATTN : XXXX, XXXX, OH XXXX XXXX I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX XXXX o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX XXXX XXXX o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WORLD OF CO o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX XXXX o Duplicate o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX, XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX o I never authorized this inquiry. 

XX/XX/XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX o Duplicate o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX  o Duplicate o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX  o Duplicate o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, VA XXXX o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Duplicate o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX o Duplicate o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX  Address : XXXX XXXX  XXXX XXXX, XXXX, NC XXXX o Duplicate o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX  XXXX o Duplicate o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX  XXXX o Duplicate o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX  XXXX o Duplicate o I never authorized this inquiry. 

XX/XX/XXXX EQUIFAX XXXX XXXX o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX  o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o I never authorized this inquiry. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX  o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX  o I never authorized this inquiry. 

XX/XX/XXXX XXXX  o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX XXXX o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX  o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX XXXX XXXX o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX  o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX XXXX XXXX o Duplicate o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX o Duplicate o I never authorized this inquiry. 

XX/XX/XXXX XXXX XXXX o Duplicate o I never authorized this inquiry. 



INCORRECT CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX o This is not my former Address Please Remove XXXX XXXX XXXX XXXX, SC XXXX XXXX This is not my former Address Please Remove XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX This XXXX not my former Address Please Remove XXXX XXXX XXXX XXXX XXXX, NC XXXX o This is not my former Address Please Remove XXXX XXXX XXXX XXXX XXXX, FL XXXX o This is not my former Address Please Remove XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX o This is not my former XXXX Please Remove XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX o This is not my former Address Please XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX o This is not my current Address Please XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX o This is not my former Address Please Remove No XXXX XXXX XXXX XXXX, XXXX, CA XXXX o This is not my former Address Please XXXX INCORRECT EMPLOYMENT HISTORY LAW OFFICES OF XXXX PARALEGAL OFFICE o Duplicate Please Remove XXXX XXXX XXXX XXXX o Duplicate Please Remove LAW OFFICE/LOVE AND CARE CREAT o XXXX Never Worked For This Company Please Remove Erroneous information o Duplicate Please Remove XXXX o I Never Worked for This Company Please Remove Erroneous information INCORRECT PHONE NUMBERS ( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential Line INCORRECT SOCIAL SECURITY NUMBERS XXXX INCORRECT NOTICES This address has pertained to a business : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC, XXXX. 

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief