Consumer complaint received 2025-05-19 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: NC

Complaint narrative:
[ Equifax ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Dispute of Credit Report information Account Number : [ insert If applicable ] To Whom It May Concern : I am writing to dispute inaccurate Information in my credit report. I recently reviewed my credit report and found items that violate the Fair Credit Reporting Act ( FCRA ). This dispute is submitted pursuant to my rights under 15 USC 1681 Under 15 USC 16810 ( b ), you are required to follow " reasonable procedures to assure maximum possible accuracy of my credit report. Additionally, 15 USC 18811 requires you to conduct a proper investigation of disputed items. The recent CFPB enforcement action against XXXX  ( XXXX ) further emphasizes your legal obligation to properly Investigate disputes and correct errors. 

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

I am disputing the following Items that has violated my rights. 

XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} Account Status : Derogatory Please immediately remove unknown collection. This account or charges does not belong to me. 
Please remove derogatory status immediately. 


XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Account Status : Derogatory Please immediately remove unknown collection. This account or charges does not belong to me. 
Please remove derogatory status immediately. 

XXXX / XXXX Account # : XXXX Dated Opened : XX/XX/XXXX Balance : {$0.00} Account Status : Derogatory Please immediately remove unknown collection. This account or charges does not belong to me. 
Please remove derogatory status immediately. 

XXXX XXXX XXXX Account # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Status : Paid Please immediately remove unknown collection. This account or charges does not belong to me. 
Please remove derogatory status immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$180.00} Account Status : Derogatory Please immediately remove unknown collection. This account or charges does not belong to me. 
Please remove derogatory status immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} Account Status : Derogatory Please immediately remove unknown collection. This account or charges does not belong to me. 
Please remove derogatory status immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} Account Status : Derogatory Please immediately remove unknown collection. This account or charges does not belong to me. 
Please remove derogatory status immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} Account Status : Derogatory Please immediately remove unknown collection. This account or charges does not belong to me. 
Please remove derogatory status immediately. 

XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} Account Status : Derogatory Please immediately remove unknown collection. This account or charges does not belong to me. 
Please remove derogatory status immediately. 

XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} Account Status : Unknown Please immediately remove unknown collection. This account or charges does not belong to me. 
Please remove derogatory status immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} Account Status : Derogatory Please immediately remove unknown collection. This account or charges does not belong to me. 
Please remove derogatory status immediately. 

XXXX XXXX Account # : Date Opened : XX/XX/XXXX Balance : {$0.00} Account Status : Paid Full Please immediately remove unknown collection. This account or charges does not belong to me. 
Please remove derogatory status immediately. 

15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681 C. ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with non-monetary relief