Consumer complaint received 2025-12-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date of Birth : XX/XX/XXXX SS # XXXX XXXX XXXX XXXXXXXXXXXX PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX DATE : XX/XX/XXXX Dispute Authorization and Multiple Violations of Fair Credit Reporting Act I, XXXX XXXX XXXX XXXX, hereby authorize this dispute. It is important to note that this dispute was not sent by an unauthorized third party or " XXXX XXXX '' I am writing to address several violations of the Fair Credit Reporting Act ( FCRA ) that have occurred, which require your immediate attention and resolution. The violations are as follows : FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : You are reporting fraudulent accounts on my credit report that do not belong to me, thus infringing upon my privacy rights. I insist that my hard inquiries and account information not be shared on my credit report. 
FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting : The information you are reporting falsely suggests that I applied for multiple inquiries and accounts, when in reality, these were the result of a scammer 's actions. Such false reporting misleads future creditors. 
FCRA Section 616 - Civil Liability for Willful Noncompliance : You accepted credit information about me without verifying its accuracy firsthand. This willful noncompliance is punishable by civil liability of up to {$1000.00} per violation. 
FCRA Section 605B - Aggravated Identity Theft : You shared my personal information with numerous creditors without obtaining my consent, making you criminally liable for aggravated identity theft. 
FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information : You failed to disclose my right to opt out of sharing my personal information. This omission was deceptive and a violation of my consumer rights.

FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : You furnished inaccurate inquiries and accounts without proper validation, potentially violating Generally Accepted Accounting Principles ( GAAP ). 
Violation of Debt Collection Practices Act : You engaged in unfair practices and harassment by reporting inaccurate debts and accounts without my consent. 
Violation of Identity Theft Laws : Creditors obtained my information without my true consent and used it to obtain credit from other financial institutions, constituting identity theft. 
Violation of Acquiring Location Information Regulations : Debt collectors contacted third-party credit reporting agencies with my information, stating that I owed a " debt. '' Violation of Timely Payments Regulations : You reported " late payments '' on my credit report without defining what constitutes a late payment, which is deceptive and inaccurate. 
Violation of Finance Charge Determination : You failed to accurately determine finance charges, which is your responsibility as a credit reporting agency. 
Violation of Credit Report Permissible Purposes : You reported information on my credit report without obtaining my written consent, which is a violation of the permissible purposes outlined in the Fair Credit Reporting Act ( FCRA ). 
I, XXXX XXXX XXXX XXXX, demand that you take immediate action to address these violations. I request the following actions : 1. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update the status of this account to " paid on time. '' I request an immediate investigation into these matters and expect a response within 30 days, as required by the FCRA. If these inaccuracies are not corrected, I will be forced to take legal action. Please send me confirmation that these items have been removed from my credit report. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief