Consumer complaint received 2024-06-25 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: NY

Complaint narrative:
Per the FCRA as a federally protected consumer, I am now opting out of all authorization, I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. Per the Privacy Act of XXXX ( XXXX, XXXX, Equifax ) has my private information and gives it out without my permission. As well as reporting late payments, which is a violation of the Privacy Act of XXXX. In accordance with the XXXX XXXX XXXX XXXX has violated my rights, account XXXX XXXX XXXX XX/XX/XXXX {$22000.00} and XXXX inquiry XXXX XX/XX/XXXX. Equifax has violated violated my rights, XXXX XXXX  XXXX XX/XX/XXXX {$4500.00}, XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX,. XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX, {$4000.00}, XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX {$7400.00} {$22000.00}, XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX {$7300.00}, XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX {$4000.00}, XXXX XXXX XXXX XXXX states I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency ( Equifax ) can not furnish an account without my written instruction or permission. XXXX XXXX XXXX, Timing of payments. Equifax has a late XXXX late payment on XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. Also, as a consumer per 15 US code 1681n : Civil liability for willful noncompliance, In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer because of the failure or {$1000.00} whichever is greater. I have who have violated my rights that Equifax, XXXX, and XXXX has reported on my credit report as hard inquiry 's XXXX hard inquiry by I would like to be reimbursed {$1000.00} per violation. The XXXX accounts are listed below as well as listed on my FTC Report that I have provided with this cover letter, along with my driver 's license showing my current address and the only address that should be listed on my credit report. Please remove all addresses from my credit report except for the address located on my Driver 's License. There should be no late payments reporting to any of my accounts, per 15 U.S.Code 1681c- Requirements relating to information contained in company reports. No adverse item besides the conviction or crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. The XXXX XXXX Rights and Privacy Act ( XXXX ) is a federal law enacted in XXXX that protects the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post- secondary school. XXXX XXXX XXXX ( b ). 15 U.S. Code 1681 ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; is against the law. 15 U.S. Code 1681s-2 ( A ) ( XXXX ) 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. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. Equifax and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

Company response to consumer: Closed with non-monetary relief