Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
as a federally, protected consumer am now resending all authorization, I may have given ( knowing and unknowing verbal, nonverbal, written, non-written ) to the company XXXX XXXX effective immediately and indefinitely Per 15 USC 6802. 


I want this account removed from my credit report entirely. This account does not have my permissible purpose or permission to report on my report. I am opting out of this account reporting on my report. It is not present on any other forms of my consumer report, therefore under 15 USC, 1681E accuracy of reports Equifax is legally bound to remove this account from my consumer report, so that all of my consumer reports save the exact same information. Pursuant 12 CFR 630.5. 


There is no option present for Equifax, consumer reporting agency to validate nor verify this account, either consumer and demanding that it be removed. Per 15 USC Code 1691 this account must be removed effective immediately Account information XXXX XXXX Account number XXXX Account charged of collection 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX 60 days late 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account information XXXX XXXX  Account Number XXXX Status Account charged off. {$130.00} written off. {$130.00} past due as of XX/XX/XXXX XXXX XXXX must be removed from my Equifax character report, effective immediately and indefinitely. There is no other option to take at this moment. Either the consumer who exists as a federally protected and demanding that this will be removed from my consumer report It is violating several of my rights. A few are the laws that are broken by the reporting of this account are as follow 15 USC 1681 permissible purpose. I am now opting out and removing all authorization given to this entity to furnace any data onto my consumer report per 15 USC 6802. I am now opting out of any interactions or furnishing up any data from this creditor.

Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) XXXX a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 
15 usc 1681a 2 a ( i ) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legal it must be updated and removed. Immediately 15 usc 1681a 2 a ( i ) 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 usc 1666b late payments can not be lawfully reported because this law 15 USC 1666B states at all interactions between the consumer and a creditor are private interactions. I have never given this XXXX any permission to report my interactions with them as far as my credit is concerned.

Company response to consumer: Closed with explanation