Consumer complaint received 2025-06-26 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:
The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IN XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, IN XXXX 3. The following information is incorrect Account Number : XXXX XXXX XXXX XXXX, IN XXXX The inquiry was unauthorized and in Violation Under 15 U.S. Code 1681b Account Name : XXXX DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 15. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXXXXXX XXXX XXXX Under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must update the items from my credit file showing payment history as paid on time. 16. As Consumer by law this account Violated US law and Deleting this on my report Immediately is a must 17. Auto loan account In Violation under 15 U.S. Code 1605 finance charge XXXX Account Number : XXXXXXXX XXXX XXXX Update this Auto loan to be DELETED Immediately as agreed. 15U.S. Code 1605 finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. listed above stating Personal information is Incorrect such as Previous Address ( es ) Also Known As : Employers : As I now confirmed not mine and don't want to be in my credit report as it is in Violation FDCPA Section 807 Violation Misleading False Reporting and Must be deleted Immediately!. In official As I always declare, below is my Only Accurate and Correct Personal information that should be in my credit report. anything that is not the same words or letters for what is listed highlight in green color below as my Personal information of my credit report as per the FCRA it must be deleted in my credit report immediately! Below is My only Correct Personal information as follows : XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX SSN : SS # : XXXX Date of Birth : XX/XX/year> Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. Please govern yourself accordingly. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your reinvestigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely XXXX XXXX The following personal information is incorrect : Former names : XXXX XXXX AND XXXX XXXX * * PLEASE REMOVE THIS INCORRECT INFO IMMEDIATELY * *

Company response to consumer: Closed with non-monetary relief