Consumer complaint received 2024-11-20 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: SC

Complaint narrative:
As XXXX XXXX, I am writing to address several serious violations of the Fair Credit Reporting Act ( FCRA ) that have occurred, which require your immediate attention and resolution.

Willful Noncompliance ( FCRA Section 616 ) : You accepted inaccurate credit information about me without verifying its accuracy. This failure to ensure accurate reporting is willful noncompliance, which, according to the law, can result in civil liability of up to {$1000.00} per violation.

Failure to Disclose My Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : You did not inform me of my right to opt out of sharing my personal information. This omission is not only deceptive, but it also violates my rights as a consumer under the FCRA.

Inaccurate Reporting ( FCRA Section 623 ( a ) ( 3 ) ) : You reported inaccurate inquiries and accounts on my credit file without proper validation. This is a direct violation of the FCRA and could also be considered a breach of Generally Accepted Accounting Principles ( GAAP ).

Debt Collection Violations ( Debt Collection Practices Act ) : You have engaged in unfair debt collection practices by reporting debts that are either inaccurate or unverified. This has caused unnecessary harassment and distress for me, as creditors have contacted me about debts I dispute.

Unauthorized Disclosure of Debt Information ( Acquiring Location Information Regulations ) : Debt collectors have shared my personal debt information with third-party agencies without my consent, which is a clear violation of regulations that prohibit such disclosures.

Deceptive Reporting of Late Payments ( Timely Payments Regulations ) : You have reported " late payments '' on my credit report without defining what constitutes a late payment. This lack of clarity is misleading and harmful to my credit history.

Incorrect Finance Charges ( Finance Charge Determination ) : You have failed to properly calculate and report finance charges, which is your responsibility as a credit reporting agency.

Unauthorized Use of My Credit Report ( FCRA Section 604 ) : Information about me has been reported without my written consent, which violates the permissible purposes for obtaining consumer credit reports under the FCRA.

In light of these violations, I demand that you take the following actions : Validation of Disputed Debts : For each of the disputed accounts listed, I request validation under 15 U.S. Code 1692g. If you are unable to provide the necessary documentation, such as the original contract or application signed by me, or the agreement allowing the debt collector to collect on the alleged debt, I request that these items be removed from my credit report immediately.

The disputed accounts include : 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 XXXX XXXX XXXX XXXX Remove Unauthorized Hard Inquiry : Specifically, XXXX - XX/XX/year>, which was made without my permission under the permissible purpose outlined in 15 U.S. Code 1681b ( a ) ( 2 ).

I expect a prompt and thorough resolution to these issues. Failure to comply with these requests will leave me with no choice but to pursue legal action as allowed under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief