Consumer complaint received 2025-08-13 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: PR

Complaint narrative:
According to the Fair Credit Reporting Act, account XXXX  XXXX # XXXX has violated my rights This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. 
According to the Fair Credit Reporting Act, account XXXX  XXXX # XXXX has violated my rights This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. 
According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXX # XXXX has violated my rights This account is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. 
According to the Fair Credit Reporting Act, account XXXX XXXX # XXXX has violated my rights This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. 
According to the Fair Credit Reporting Act, account XXXX XXXX # XXXX has violated my rights This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. 
According to the Fair Credit Reporting Act, account XXXX  # XXXX has violated my rights This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. 
According to the Fair Credit Reporting Act, account XXXX XXXX XXXX # XXXX has violated my rights This account does not belong to me. Please provide me with a copy of the signed contract or voice conversation where I authorized billing on this account. Otherwise, you must remove it from my credit according to the Fair Credit Reporting Act. 
According to the Fair Credit Reporting Act, account XXXX XXXX XXXX # XXXX has violated my rights This account does not belong to me. Please provide me with a copy of the signed contract or voice conversation where I authorized billing on this account. Otherwise, you must remove it from my credit according to the Fair Credit Reporting Act. 
According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXX # XXXX has violated my rights This account does not belong to me. Please provide me with a copy of the signed contract or voice conversation where I authorized billing on this account. Otherwise, you must remove it from my credit according to the Fair Credit Reporting Act. 
Title 15 of the United States Code, Section 602 A, states that I have the right to privacy Title 15 of the United States Code, Section 604 A, Section 2 : Also states that the credit reporting agency may not provide an account without my written instructions

Company response to consumer: Closed with explanation