Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX ( Account XXXX : XXXX ) Under FCRA 605 ( a ), accounts that are inaccurate must not be reported. The information regarding this account is incorrect and misleading, including the status of the account as In Repossession. 
The payment history indicates that I have made only 40 % of payments on time, which does not accurately reflect my payment history. The FCRA mandates that information reported must be accurate and complete. 
Given my history as a victim of identity theft, as indicated by my Fraud Alert initiated on XX/XX/XXXX, this account is a result of fraudulent activity. Under FCRA 605B, I demand that you conduct a thorough investigation into the legitimacy of this account and provide evidence of my authorization.

I am attaching a copy of my identity theft report for your reference. Under FCRA 604 ( a ) ( 3 ), you are obligated to obtain proof of authorization for the negative reporting of this account.

As stated in the Right to Privacy Law, any information regarding my financial history must be handled with care and must not be shared without my consent. This account appears to infringe upon my right to privacy, as it was reported without my authorization or verification. 
The account is marked as Involuntary Repossession, which I dispute as this indicates a lack of due process and proper notification per FCRA 623 ( a ) ( 1 ). I request that you provide documentation that confirms my awareness and consent regarding this repossession.

The FDCPA 809 entitles me to a validation of this debt, and unless you provide this documentation, I demand the immediate deletion of this account.

Under FCRA 611 ( a ) ( 1 ), I demand the immediate deletion of this account from my credit report due to the inaccuracies and failure to validate the debt. 
Given the potential of identity theft, I also request an investigation into the source of unauthorized access to my credit information, as required by the Gramm-Leach-Bliley Act ( GLBA ).

I also insist that once this account is removed, it must not be reported again in the future, as mandated by the FCRA. Should this account reappear on my credit report, I will consider it a violation of the law and may take further action. 

XXXX. XXXX XXXX ( Account XXXX : XXXX ) Violation : Inaccurate open date, status, and other discrepancies.

Legal Basis : Under FCRA 605 ( a ), this account 's discrepancies violate reporting accuracy requirements. Furthermore, FCRA 623 obligates furnishers to ensure informations accuracy and integrity ; these obligations are not met.

Resolution Requested : Remove this account immediately, ensuring no similar or duplicate entries are made in the future. 


XXXX. XXXX XXXX XXXX ( Account No : XXXX ) Violation : Under FCRA 623 ( a ) ( 1 ), data furnishers are required to report information accurately. The accounts details contain conflicting status reports, past due amounts, and erroneous payment history, thereby violating this statute. 
Resolution Requested : Remove this inaccurate and damaging information from my report without delay. 

XXXX XXXX XXXX XXXX XXXX Original Creditor : Progressive ) ( Account No : XXXX ) Violation : This entry is non-compliant with FDCPA 809, requiring valid verification of debts. The lack of substantiated records for an alleged collection account also contravenes FCRA 611 ( a ) ( 1 ), which mandates a reinvestigation of disputed information. 
Resolution Requested : This account must be removed immediately for failing to meet verification standards, with assurance that no similar or duplicate entries appear in the future. 

Hard Inquiry Dispute XXXX  XXXX Reported Inquiry Date : XXXX XXXX, XXXX Violation : FCRA 604 ( a ) ( 3 ) mandates that all inquiries must have an authorized purpose. I request documented proof of permissible purpose for this inquiry. Unauthorized access violates my consumer rights and privacy under the Right to Privacy Law and FCRA 609 ( a ) ( 1 ). Unauthorized access is a clear violation, and if no permissible purpose exists, this entry must be removed.

Resolution Requested : If permissible purpose can not be proven, this inquiry must be removed. 

These accounts listed above have resulted in several fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections and inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief