Consumer complaint received 2024-12-10 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: MA

Complaint narrative:
This is my fifth attempt at notifying your company. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Per the FCRA, as a federally protected consumer, I am revoking & opting out of any and all authorization I, the consumer, may have given XXXX, Equifax, XXXX XXXX, written, verbal, & nonverbal, for reporting on XXXX BANK Account # XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER ENDING XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER ENDING XXXX ) for the following months : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. According to the Fair Credit Reporting Act 15 USC 1681 section 602, it states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Equifax, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801, which states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX BANK is a financial institution by definition under that title. I have provided this financial institution with an opt out notice. 15 USC 1681 section 604, section 2 states that " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the financial institution XXXX and the consumer reporting agencies XXXX, Equifax, and XXXX do not have my consent to furnish this information, and they surely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK whether it be verbal, non-verbal, written, implied, or otherwise, is revoked regarding the XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER ENDING XXXX ) 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' You are now on notice that this information is in fact inaccurate. U.S. Code 1681e states : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Please provide evidence of my written consent that authorized your company to list these adverse items on my report. If you can not provide that to me, you are in violation of 1681b under the Fair Credit Reporting Act. In addition, the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER ENDING XXXX ) account is designated as a charge off account. Per 26 U.S. Code 108, charge-off accounts are a certificate of indebtedness and therefore considered income, and income can not be reported on a credit report. The status " Charge Off '' must be updated and immediately removed from the report, supported by IRS Publication 4681. Any authorization, verbal, nonverbal, written, or non-written, I am now rescinding the authorization on reporting from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX via 15 USC 6802 & 16 CFR 313.7 & whatever authorization XXXX XXXX XXXX, & Equifax and XXXXXXXX XXXX XXXX XXXX XXXX thought they had XXXX the reporting of the derogatory information on this account no longer has, and it is effective immediately and indefinitely. In addition, the payment status on this account is inaccurate and invalid. XXXX, Equifax, and XXXX are required to report the maximum possible accuracy of any information that your company reports. Please verify these late payments from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to XXXX XXXX XXXX XXXX XXXX  XXXX. If you can not verify them, please update these late payments and the account to Paid As Agreed Never Late ( PAANL ) permanently. Provide documentation showing this account is indeed late, or it will be a violation of 15 U.S.C. 1666b and a violation of 15 U.S.C 1637a ( a ). The late payments are to be updated as Paid As Agreed Never Late ( PAANL ), and the charge-off status for each month for this account is to be removed from my Credit Report effective immediately.

Company response to consumer: Closed with non-monetary relief