Consumer complaint received 2025-05-21 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: PR

Complaint narrative:
b"I recently received a statement from your company EQUIFAX refusing to recognize an unlawful reporting on my Consumer Report. EQUIFAX is reporting a Line Item on my Consumer Report that has surpassed the seven (7) year reporting statute according to 15 US CODE 1681c(a)(5)(c)(1) and is also in violation of 15 US CODE 1681e. EQUIFAX is also reporting Line Items that are EXCLUSIONS on my Consumer Report according to 15 US CODE 1681a(2)(i) Transactions or Experiences. \n\nSuch reporting on my consumer report is and has been injurious to me by your company EQUIFAX. It is my right to pursue and collect damages up to $1000.00 from your company (EQUIFAX) for its wilful non-compliance according to 15 US CODE 1681n Civil Liability for Willful Noncompliance. As I stated in my previous dispute this abuse by your company of my consumer report will no longer be tolerated as I am fully prepared to follow through by appearance or through legal representation to collect $1000.00 in damages if not more. If your company EQUIFAX continues to report, or list a line item on my Consumer Report in any way that is in violation of 15 US CODE 1681c(a)(5)(c)(1) Requirements relating to information contained in consumer reports. Such a report will be deemed as Wilful Non Compliance according to 15 US CODE 1681n Civil Liability for Non Compliance. Therefore, legal documents with an affidavit pursuing damages will be forwarded immediately to EQUIFAX via the CFPB and FTC.\n\nHere are the accounts by name and account numbeXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX am demanding the Line Item that is listed above that is over the seven (7) year reporting statute according to 15 US CODE 1681c(a)(5)(c)(1) be removed immediately from my EQUIFAX Consumer Report. \n\nThe laws supporting my demands are listed below are as follows: 15 US CODE 1681c - Requirements relating to information contained in consumer reports\n\n15 US CODE 1681e - Compliance procedures\n\n15 US CODE 1681a - Definitions; rules of construction Section 2 - Exclusions subsection A subsection in - reports containing information solely as to transactions or experiences between the consumer and the person making the report. \n\n15 US CODE 6802  Obligations with the respect of disclosure of personal information: \n(b)OPT OUT  \n\n(C) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n\n15 US CODE 1681b - Permissible purposes of consumer reports\n\nUnder 15 US CODE 1681n, - Civil liability for willful noncompliance \n\n(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 (A) any actual damages sustained by the consumer as a result of the failure or damages of not less than $XXXX  and not more than XXXX; or \n\n(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 XXXX whichever is greater; as a consumer I can charge $XXXX  for damages if you don't remove this item because it is very injurious to me. \n\nSend an updated copy of my consumer report once the item disputed has been removed. I appreciate your immediate response and attention to this matter and corrected service of my Consumer Report."

Company response to consumer: Closed with explanation