Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Date of Birth : XX/XX/year> SSN # : XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX Ga XXXX To Whom It May Concern : First and foremost, as a consumer, XXXX XXXX, I understand that your company is nothing but a consumer reporting agency and the consumer financial protection bureau is the real " Bureau '' by federal law definition. Your company is reporting inaccurate, obsolete, erroneous, and misleading items on my credit report that have caused me much stress, mental anguish, and economic harm. This has caused injury to me as I am unable to obtain credit solely because of the failures you have caused because you have not followed proper procedures to make sure that everything on my consumer report is accurate. The banking system is dependent upon fair and accurate credit reports. inaccurate credit reports impair the efficiency of the banking system. By reporting inaccurate information without my knowledge on my consumer report I am telling you that I do not trust doing any business with you if these issues are not resolved. There could be severe consequences by keeping these inaccurate accounts on my consumer report as you know. Your Publishing of such inaccurate and incomplete information has severely damaged my personal and credit representation of myself and has caused severe humiliation, Emotional distress, Mental anguish, and lower FICO Scores. The term " identity theft '' means a fraud committed using the identifying information of another person. By reporting my personal information, accounts that are not accurate and are misleading. You are actively committing fraud by having these items on my consumer report because I never gave you permission to report my information. According to the 15 usc 1681b, a consumer reporting agency can only furnish a consumer report with a court order or with the written instructions to the consumer to whom it relates. I can assure you that I have never given your company any written instructions or permission to furnish anything on my consumer report which is a violation of federal law. I am demanding that these transactions be removed from my consumer report unless you can prove otherwise. I understand that you have assumed a Voluntary Role in evaluating people 's credit. The thing is that you have " Assumed ''. This means you have no federal or government backing which means as a consumer I have the right to privacy and since I have never given you any permission to report anything on my behalf or authorized you to sell my data this is aggravated identity theft and is a felony. You have a need to meet the needs of the consumer regarding confidentiality. I am in the belief that your company has not followed proper procedures due to data breaches in the past and these companies reporting on my consumer report could very well be involved in past identity theft cases. There need to be major precautions in maintaining integrity in your business. Since you are required to respect my confidentiality and my right to privacy. This tells me I have a choice on what can or can not be on my consumer report. I am well aware pursuant to 15 U.S. Code 1681g I, the consumer has the right to request a full file disclosure about the information within my consumer file which includes the sources of the information used to verify the information before it was procured onto the consumer report. This includes the dates, original payees, and amounts of any checks, and identification of each person ( including the end-users identified under section 1681e ( e ) ( 1 ) of title 15 ) that procured my consumer report, including their address and telephone number of the persons, a record of all inquiries received by the agency during the XXXX period preceding my request in connection with the credit or insurance transactions not initiated by me, the consumer. If any of the following accounts do not have the sources of information available, they must be removed. The following accounts require verification or must be removed ; Remove anything that is unverifiable, obsolete, and misleading from my credit report. Anything you decide to keep on here you can be held liable in federal court for negligence and non-compliance according to federal and state laws. 




XXXX. This Bankruptcy XXXX which is inaccurate as the court information violation of FCRA US Law 1681b ( 2 ) and 1681s ( 2 ) ( b ) you are required to include courts name, city, and state in your reporting which you have failed to do so based off your actions i demand you that you remove this inaccurate information of my credit report as is a violation of FCRA laws and CDIA standards. I insist that you remove this erroneous information. 

XXXX. This Account XXXX XXXX XXXX account ending in XXXX according to XXXX law XXXX. XXXX XXXX ( C ) you have violated my rights to unlawful communications please have this collection removed from my credit report. 

XXXX. This Account XXXX residential account ending in XXXX according to US law 15 U.S.C 1692 ( C ) you have violated my rights to unlawful communications please have this collection removed from my credit report This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Please make sure all information that is on this letter is sent to each data furnisher for review to determine the accuracy of these inaccurate accounts on my credit report. I am really hoping you can comply with a proper investigation so we do not have to escalate this issue any further. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief