Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. 15 U.S. Code 1681e ( b ) Accuracy of report Compliance procedures XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.

2. These inquiries were not authorized by me and I would like them to be removed XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. 15 U.S. Code 1681e ( b ) Accuracy of report Compliance procedures XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.

4. Under 15 U.S.C 1681c-2-block of information resulting from identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Under 15 U.S.C 1681c-2-block of information resulting from identity theft. 
XXXX Account Number : XXXX I DEMAND XXXX dollars for each violation as you have caused severe damage to my character. 
6. Under 15 U.S.C 1681c-2-block of information resulting from identity theft. 
XXXX XXXX XXXXXXXX Account Number : XXXX I DEMAND XXXX dollars for each violation as you have caused severe damage to my character. 
7. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

8. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. This account was CLOSED. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
10. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXXXXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

11. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX Account Number : XXXX Please remove it from my credit report. 
12. This account was PAID and CLOSEDXXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief