Consumer complaint received 2025-01-22 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, each account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account names and numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 USC 1681 section 602a states : I have the right to privacy.

15 USC 1681 section 604a section 2 states : a consumer reporting agency can not furnisha account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following itemsof information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) states : A person shall not furnish any information relatingto a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The 3 reporting agencies in addition to providing XXXX data in many points, are inconsistent with each other overall. Below is a list of the discrepancies found on and between the attached reports. These discrepancies have been marked on the scanned and uploaded reports which have the same numbers/letters written on them as the details below to guide you in your inspection.

Points of discrepancy : Account ending in XXXX 1a : date of account closure : inaccurate 1b : credit limit history tenure of {$2200.00} : inaccurate 1c : credit limit history tenure of {$500.00} : inaccurate 1d : acct balances by months listed : inaccurate 1d2 : acct balances by months amounts : inaccurate Account ending in XXXX XXXX : account is closed and has available credit and credit limit? Inaccurate.

2b : balances on account : Inaccurate.

2c : scheduled payments : Inaccurate.

2d : actual payments : Inaccurate.

2e : amount past due : Inaccurate 2f : payment history/rating : Inaccurate 4 : cancelled by grantor : inaccurate* 5 : card history range : inaccurate** 6 : payment history/rating : inaccurate*** Account ending in XXXX 3a : account is closed and has available credit and credit limit? Inaccurate.

3b : actual payments/remarks : inaccurate/no data 3c : balance : inaccurate 3d : scheduled payments : inaccurate 3e : credit limit : inaccurate 3f : amount past due : inaccurate/no data 4 : closed by consumer : inaccurate* 5 : card history range : inaccurate** 6 : payment history/rating : inaccurate*** The following were issues regarding cards XXXX and XXXX, and some within the same reporting agency reports : *4 : both are XXXX accounts which were resolved on the same call, same day, same time, with the same solutions, resolutions, and decisions. The disputes reported were over the reporting accuracy ( whether on the part of the creditor or reporting agency ), not the facts : Inaccurate.

**5 : both are XXXX accounts, drawn from/reported by same creditor/reporting agency : Inaccurate ***6 : same creditor, same date range, same reporting agency : Inaccurate

Company response to consumer: Closed with non-monetary relief