Consumer complaint received 2024-01-23 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: CA

Complaint narrative:
Subject : Dispute of Inaccurate Accounts on Credit Report I kindly request the Consumer Financial Protection Bureau to investigate and correct the inaccuracies in my credit report. I am seeking a prompt resolution to ensure that my credit history accurately reflects my financial responsibility. 

1. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXXXXXX XXXX Account Number : XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) 2. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX XXXX Account Number : XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) 3. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX Account Number : XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) 4. Violation of 15 U.S. Code 1681i ( a ) ( 2 ) - Procedure in case of disputed accuracy.The agency shall provide notification of the dispute to any person who provided any item of information in dispute at the address and in the manner established with the person XXXX  Account Number : XXXX I HAVEN'T GOT ANY NOTIFICATION OF DISPUTE AND NOTICE OF DETERMINATION BY MAIL FROM YOU. THIS ACCOUNT IS INCOMPLETE, INACCURATE AND HAS NEVER BEEN VERIFIED. I DEMAND A PROMPT DELETION OF THIS ACCOUNT. 


per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan and per 15 usc 1681a ( 2 ) ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

15 USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGGENCY CAN NOT FURNISH AN ACCOUNTWITHOUT MY WRITTEN CONSENT 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS A LATE FOR ANY PURPOSE THESE ACCOUNTS LISTED ARE IN VIOLATION ON MY RIGHTS. 

VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the 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 the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against companines listing inaccurate information, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. 
Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Please help me I have studied these laws in the fcra and i just want justice for my consumer report XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief