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: GA

Complaint narrative:
I am writing to dispute the accuracy of certain items listed on my credit report. Please consider this letter as my formal request for correction in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. 

Address Error : The address listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is incorrect. I kindly request that you delete this inaccurate address from my report immediately. 

XXXX Account ( Account # XXXX ) : Under 15 U.S. Code 1681i, I request that this account be updated to reflect " paid as agreed, never late. '' The late payment information currently reported is incorrect. 

Security Fin Account ( Account # XXXX ) : Again, under 15 U.S. Code 1681i, I request that this account reflect " paid as agreed, never late '' as the late payment information reported is inaccurate. 

XXXX Account ( Account # XXXX ) : In accordance with 15 U.S. Code 1681i, I request that this account be updated to " paid as agreed, never late. '' The late payment information is incorrect. 

XXXX XXXX Account ( Account # XXXX ) : Under 15 U.S. Code 1692g, I request validation of this alleged debt. Please provide the original signed application, contract, or any other instrument bearing my signature, as well as the agreement between the debt collector and the original creditor, notarized and sworn under penalty of perjury. If you are unable to provide this documentation, I request that this item be removed from my credit report as soon as possible. As noted in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX ), failure to comply could result in liability for willful non-compliance. 

Security Account ( Account # XXXX ) : Similarly, I request validation of this alleged debt under 15 U.S. Code 1692g. Please provide the requested documentation to validate this debt. If you can not provide proof, I ask that this item be removed from my credit report immediately. 

World Acceptance Account ( Date XX/XX/XXXX ) : Under 15 U.S. Code 1681b ( a ) ( 2 ), I request the removal of this unauthorized hard inquiry from my credit report. 

I have made several attempts to resolve these issues with both the credit reporting agency and the creditors involved. If I am unsuccessful with this request, I will be forced to pursue legal action in federal court, naming the credit reporting agency, the creditors, collection agencies, and others involved as defendants.

Please be advised that you are required to complete this investigation within 30 days, per Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. I am keeping careful records of your actions, including the method of verification. I do not consent to the use of e-Oscar or any other automated verification system. 

If I do not receive a satisfactory response within 30 days, I will pursue a small claims action against your company, seeking {$1000.00} per violation for defamation, negligent enablement of identity fraud, and violations of the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief