Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
After reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. LATE PAYMENT STATUS INCORRECT XXXX Account Number : XXXX Under 1637 ( b ) of the F.C.R.A. a creditor must adopt reasonable procedures to inform the consumer by mail or delivered to the consumer not later than 21 days before the payment due date. I am requesting valid proof of this being done. Please send me proof that you sent this to me. If I dont receive this information within 30 days. I request that you delete the late payments. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you credit reporting agency block all the accounts late payment and or collections, identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me 6. LATE PAYMENT STATUS INCORRECT XXXX Account Number : XXXX Under 1637 ( b ) of the F.C.R.A. a creditor must adopt reasonable procedures to inform the consumer by mail or delivered to the consumer not later than 21 days before the payment due date. I am requesting valid proof of this being done. Please send me proof that you sent this to me. If I dont receive this information within 30 days. I request that you delete the late payments. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you credit reporting agency block all the accounts late payment and or collections, identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me 7. LATE PAYMENT STATUS INCORRECT XXXX Account Number : XXXX Under 1637 ( b ) of the F.C.R.A. a creditor must adopt reasonable procedures to inform the consumer by mail or delivered to the consumer not later than 21 days before the payment due date. I am requesting valid proof of this being done. Please send me proof that you sent this to me. If I dont receive this information within 30 days. I request that you delete the late payments. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you credit reporting agency block all the accounts late payment and or collections, identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me 8. Pursuant to 18 USC 8 I owe no debt. This company is violating my consumer right to privacy pursuant to

15 USC 1681b 2. Company has also No permission to report ANYTHING using my info pursuant to 15USC 1681 4. This is against FCRA reporting law. Your company has taken a tax deduction as a write off and can't report that balance still owed delete this now or I will take legal action XXXX Account Number : XXXX I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me 9. LATE PAYMENT STATUS INCORRECT XXXX Account Number : XXXX Under 1637 ( b ) of the F.C.R.A. a creditor must adopt reasonable procedures to inform the consumer by mail or delivered to the consumer not later than 21 days before the payment due date. I am requesting valid proof of this being done. Please send me proof that you sent this to me. If I dont receive this information within 30 days. I request that you delete the late payments. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you credit reporting agency block all the accounts late payment and or collections, identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me 10. ACCT CHARGE OFF XXXX XXXXXXXX Account Number : XXXX Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. 
Company has also No permission to report ANYTHING using my info pursuant to 15USC 1681 4. This is against FCRA reporting law. Your company has taken a tax deduction as a write off and can't report that balance still owed delete this now or I will take legal action I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me 11. LATE PAYMENT STATUS INCORRECT XXXX Account Number : XXXX Under 1637 ( b ) of the F.C.R.A. a creditor must adopt reasonable procedures to inform the consumer by mail or delivered to the consumer not later than 21 days before the payment due date. I am requesting valid proof of this being done. Please send me proof that you sent this to me. If I dont receive this information within 30 days. I request that you delete the late payments. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you credit reporting agency block all the accounts late payment and or collections, identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me In accordance with the Fair Credit Reporting Act, I hereby demand a thorough investigation into these items and their subsequent removal from my credit report. It is my understanding that you are required to verify this information with the creditor responsible for reporting it. Any information that can not be verified by the creditor should be promptly deleted.

Company response to consumer: Closed with non-monetary relief