Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
FINAL NOTICE Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX, XXXX XXXX  Dear EQUIFAX : After I pulled and received my CONSUMER credit report, I noticed that there are items that are not accurate, not lawful, in accordance to my rights and falsely misleading, 15 U.S.C 1611, 15 U.S.C 1692 ( a ), 45 CFR 164.522 right to privacy ; PRIVACY ACT OF 1974 Govern yourself accordingly,- Please remove ALL personal information on my CONSUMER Credit Report below : VIOLATION Under 15 U.S.C 1681 ( b ) 1. ALL addresses, telephone numbers, employment I have not written in consent to perform or present, please remove. 


- BEST, Remove ALL these inquiries on my CONSUMER Credit Report below because theyre inaccurate, non-consent, unauthorized, incomplete and unverifiable : These inquiries below was not authorized, please remove. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These ACCOUNT REVIEW INQUIRIES, INQUIRY ANALYSIS, THIRD PARTY SUPPLEMENTAL INFORMATION I require ALL to be removed. These are violations of my privacy, in accordance with the Privacy Act of 1974 and I did nor consent to these companies/subjects/entities reviewing my Consumer Credit Report. Please hold your agency liable and compliance with the law that governs we the people, so REMOVE ALL. 


- ALL these accounts on my CONSUMER Credit Report below because theyre inaccurate, non-consent, incomplete and unverifiable : Under 15 U.S.C 1681e ( b ) & 15 U.S.C 1681i ( 5 ) in violation for not reporting 100 % accurate. 

XXXX. Account : XXXX XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX Account is still paid as agreed. 

XXXX. Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX, XX/XX/XXXX Balance : {$0.00} I am entitled to complete and accurate credit history ; this account shows open, but is misleading information, shows paid, so please update paid as agreed. 


XXXX. Account : XXXXXXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$17.00}, XXXX This account was paid in full ( never settled ), never late, not 100 % accurate and this is misleading. Without valid evidence this is invalid, and this account is negligently in violation of any credit transaction supposed to be excluded from a consumer credit report if a social security card was used in the transaction making also failing to comply to 15 U.S.C 1681. I am entitled to complete and accurate credit history and this account is missing information. This account also is a billing error according to 15 U.S.C 1666b, which is a violation, and a creditor may not treat a payment a on a credit card account under an open-end consumer credit plan as late for any purpose, please remove it. XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

XXXX. Account : XXXX XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX Balance : {$1500.00} I have no knowledge of this account, this is harassment, abuse and shows as collection account. Under 15 U.S.C 1692d & 15 U.S.C 1692j, please remove it. 


XXXX. Account : XXXX XXXX  XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$1000.00} This account was paid in full ( never settled ), never late, falsely misleading, and inaccurate, please remove it. This account was paid in full ( never settled ), never late and shows inaccurately compared to the other credit reporting agencies. I am entitled to complete and accurate credit history and this account is missing information. This account also is a billing error according to 15 U.S.C 1666b, which is a violation and a creditor may not treat a payment a on a credit card account under an open end consumer credit plan as late for any purpose, please remove it 6. Account : XXXX  XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$1300.00} This account was paid in full ( never settled ), never late and I am entitled to complete and accurate credit history and this account is missing information. This account also is a billing error according to 15 U.S.C 1666b, which is a violation and a creditor may not treat a payment a on a credit card account under an open end consumer credit plan as late for any purpose, please remove it. 


XXXX. Account : XXXX XXXX XXXX ( # XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} This account was paid in full ( never settled ), never late, this account shows paid, so please update paid as agreed. 

XXXX. Account : XXXX ( XXXX ) Please remove. Not authorized. 


XXXX. Account : XXXX XXXXXXXX XXXX XXXX XXXX. ) Date Opened : XX/XX/XXXX Balance : {$0.00} This account was paid in full ( never settled ), so please remove. 

I the natural living man want my credit report to be accurate and by state and federal law you need to remove accounts that are inaccurate, incomplete or unverifiable. COMES NOW, this agency is in violation of U.S.C 1692g. They were to notify me of this in writing as the original creditor and only I can validate this debt.

If you verify the information, please respond with verifiable proof of an original consumer contract with bearing my signature that you have on file for the accounts above under penalty of perjury with an affidavit within seven ( 7 ) days of this receipt/notice. FAILURE to provide admissible proof, ALL accounts must be removed and updated Under the FAIR CREDIT REPORT ACT this disputed information may not appear on my consumer credit report if it can not be supported by any evidence. Failure to validate all data for this account, including all notion dates and balance, then must be deleted IMMEDIATELY in accordance with FCRA section 15 U.S.C 1681 a ( k ) ( B ) ( iv ) ( 2 ). 

Sincerely, XXXX, XXXX Without prejudice, all alienable rights reserved. 

References : 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION CFR State Regulations prev | next 313.1 Purpose and scope.

313.2 Model privacy form and examples.

313.3 Definitions. 
Subpart APrivacy and Opt Out Notices ( 313.4 - 313.9 ) Subpart BLimits on Disclosures ( 313.10 - 313.12 ) Subpart CExceptions ( 313.13 - 313.15 ) Subpart DRelation to Other Laws ; Effective Date ( 313.16 - 313.17 ) Appendix A to Part 313Model Privacy Form Authority : 15 U.S. Code 6805 - Enforcement U.S. Code Notes prev | next ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ). 
( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity.

( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer.

( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies.

( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act.

( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title.

( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection.

( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title.

( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section.

( 2 ) Exception The agencies and authorities described in paragraphs ( 3 ), ( 4 ), ( 5 ), ( 6 ), and ( 7 ) of subsection ( a ) shall implement the standards prescribed under section 6801 ( b ) of this title by rule with respect to the financial institutions and other persons subject to their respective jurisdictions under subsection ( a ).

( c ) Absence of State action If a State insurance authority fails to adopt regulations to carry out this subchapter, such State shall not be eligible to override, pursuant to section 1831x ( g ) ( 2 ) ( B ) ( iii ) of title 12, the insurance customer protection regulations prescribed by a Federal banking agency under section 1831x ( a ) of title 12.

( d ) Definitions The terms used in subsection ( a ) ( 1 ) that are not defined in this subchapter or otherwise defined in section 1813 ( s ) of title 12 shall have the same meaning as given in section 3101 of title 12. 

CREDIT REPORT CHECKED XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief