Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have now filed several complaints to your agency informing you of the corrective action needed to correct the inaccuracies Ive identified in my consumer report, and the action taken by your agency is grossly unsatisfactory. Per 15 U.S.C 1681e Section 607 [ 15 U.S.C 1681e ( b ) ], whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have now filed multiple complaints detailing the inaccurate negative information being furnished to my consumer report, causing me to suffer numerous harms, yet all necessary corrective action needed to rectify this matter has not been taken. The consumer reporting agency has responded to previous complaints alleging that the negative information disputed is verified. Please DO NOT respond to these complaints stating that the accounts have been verified. None of this negative information is verified, because it is inaccurate and incorrect. The negative information that Ive identified needs to be REMOVED. In ignoring my numerous requests to remove the inaccurate, negative information from my credit file, please be reminded that according to 15 U.S.C 1681n Section 616 Civil Liability for Willful Noncompliance [ 15 U.S.C 1681n ( a ) ( 1 ) ( A ) ] any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer along with the cost of the action together with reasonable attorneys fees as determined by the court.In ignoring my numerous requests to remove the inaccurate, negative information from my credit file, please be reminded that according to 15 U.S.C. 1681o Section 617 Civil Liability for Negligent Noncompliance [ 15 U.S.C. 1681o ( a ) ( 1 ) ], [ 15 U.S.C. 1681o ( a ) ( 2 ) ] any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of actual damages sustained by the consumer as a result of the failure. Please be reminded that, as defined by 15 U.S.C. 1681a Section 603 Definitions ; Rules of Construction [ 15 U.S.C. 1681a ( b ) ], the term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Therefore, the consumer reporting agency and affiliated data furnishers and resellers, reporting inaccurate, negative information that is causing the consumer to suffer numerous harms, is recognized as a PERSON. I would like to make it known, explicitly, that there is currently inaccurate, negative information, in various forms, listed in my public consumer report. This negative information is causing me to suffer numerous harms including and relating to the invasion of privacy, as well as reputational, emotional, physical, and economic harms. And as you may well know, this bears on my credit worthiness, credit standing, credit capacity, general reputation, personal characteristics, mode of living, etc. By furnishing these various forms of negative information to my consumer report, without prior disclosure, without a clear and conspicuous explanation of how to exercise a nondisclosure option, without authorization from the consumer to whom it pertains, and not in accordance with the written instructions of the consumer to whom it pertains ; the consumer reporting agency is undeniably and audaciously violating the rules and regulations set forth in 15 U.S.C. 6802 Obligations with Respect to Disclosures of Personal Information [ 15 U.S.C. 6802 ( a ) ] [ 15 U.S.C. 6802 ( b ) ( 1 ) ( A ) ] [ 15 U.S.C. 6802 ( b ) ( 1 ) ( B ) ] [ 15 U.S.C. 6802 ( b ) ( 1 ) ( C ) ], in 15 U.S.C. 1681a Section 603 Definitions ; Rules of Construction [ 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) ], and in 15 U.S.C. 1681b Section 604 Permissible Purposes of Consumer Reports [ 15 U.S.C. 1681b ( a ) ( 2 ) ].

Company response to consumer: Closed with explanation