Consumer complaint received 2024-12-05 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: SC

Complaint narrative:
I, XXXX XXXX, am addressing multiple violations of the Fair Credit Reporting Act ( FCRA ) that have directly impacted my credit report. Specifically, I am disputing the following issues : Willful Noncompliance ( FCRA Section 616, 15 U.S.C. 1681n ) : Credit information about me was accepted without proper verification of its accuracy, which constitutes willful noncompliance and is punishable by civil liability.

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ), 15 U.S.C. 1681a ) : You failed to inform me of my right to opt out of sharing my personal information, a deceptive violation of my consumer rights.

Furnishing Deceptive Information ( FCRA Section 623 ( a ) ( 3 ), 15 U.S.C. 1681s-2 ) : Inaccurate inquiries and accounts were reported without proper validation, violating Generally Accepted Accounting Principles ( GAAP ) and causing harm.

Debt Collection Violations ( 15 U.S.C. 1692g ) : Unfair practices and harassment occurred by reporting inaccurate debts and accounts without my consent, creating undue stress and unwarranted creditor contact.

Disclosure of Debt Information : Debt collectors shared my information with third-party credit reporting agencies, violating regulations that prohibit disclosing debt details to third parties.

Misrepresentation of Late Payments : Late payments were reported on my credit report without clear definitions or justifications, which is misleading and inaccurate.

Finance Charge Miscalculations : There was a failure to accurately determine finance charges, a responsibility under FCRA and associated regulations.

Permissible Purpose Violations ( FCRA Section 604, 15 U.S.C. 1681b ) : Information was included in my credit report without my written consent, violating the permissible purposes outlined under the FCRA. 

I am demanding immediate resolution of the following specific issues : XXXX  ( XXXX ) ** : Provide the method of validation for reporting the account as late during COVID-related deferment. Update the status to " Pays Account As Agreed. '' XXXX  ( XXXX ) ** : Delete this entry due to noncompliance with debt validation requirements under 15 U.S.C . 1692g. 
XXXX XXXX ( XXXX ) ** : Remove this account based on a violation of debt validation rules under 15 U.S.C. 1692g. 
XXXX XXXX XXXX ( XXXX ) ** : Delete this account for failure to comply with 15 U.S.C . 1692g debt validation standards. 
XXXX ( Reported XX/XX/year> ) : Delete this entry due to violations under 15 U.S.C. 1692g.

In addition, I am requesting the removal of all unauthorized and inaccurate accounts from my credit report. These actions must be taken promptly. Failure to comply will leave me with no choice but to pursue the full extent of legal remedies available under the Fair Credit Reporting Act. 

I trust that you will handle this matter with the urgency and diligence it requires. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation