Consumer complaint received 2024-01-09 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: GA

Complaint narrative:
Subject : Request for Removal of Information and Resolution of Privacy Violations XX/XX/2023 XXXX, Equifax XXXX XXXX To Whom It May Concern : I am writing to bring to your attention certain privacy violations and request the immediate removal of specific information from my credit report. I believe these actions are in violation of relevant federal laws, and I am pursuing formal resolution through the appropriate channels. 

I have identified the following entries on my credit report that require your immediate attention : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Department of EducationXXXX XXXX XXXX The inclusion of the Department of Education/XXXX XXXX XXXX is a direct violation of The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), as it pertains to the privacy of student education records. Additionally, the disclosure of nonpublic personal information without proper notice and consent is in violation of various sections of the United States Code, including 15 U.S. Code 6801, 6802, and 6805. Please UPDATE the student loan accounts to PAID AS AGREED. DO NOT REMOVE.

I am opting out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, per 15 USC 6802, as a Federally Protected Consumer under the Fair Credit Reporting Act. I have used 16 CFR 313.7 as a reference to opt-out as well.

Please remove any late payments from my credit as well. According to 16 CFR 444.4, it is an unfair act or practice within the meaning of section 5 of that Act for a creditor, directly or indirectly, to levy or collect any delinquency charge on a payment, which payment is otherwise a full payment for the applicable period and is paid on its due date or within an applicable grace period when the only delinquency is attributable to late fees or delinquency charges assessed on earlier installments. 

Furthermore, I am requesting the removal of all hard and soft inquiries from my credit report in accordance with 15 U.S. Code 1681b, as there has been no explicit written instruction for such inquiries. 

Regarding promotional inquiries, I have identified the following entities : XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I expect immediate action to address these promotional inquiries, as outlined by the relevant legal provisions, with each violation incurring a penalty of {$1000.00}. 
In accordance with 5 U.S.C. 552a ( g ) ( 1 ) ( C ), I may pursue legal action for any failure to maintain accurate, relevant, timely, and complete records that result in adverse determinations. If it is determined that the agency acted intentionally or willfully, I may seek damages in accordance with the mentioned statute. 

Please provide instructions on where I should send my invoice for the promotional inquiries, as each violation incurs a {$1000.00} penalty, as per the aforementioned legal provision. 

I look forward to your prompt attention to this matter and the resolution of these privacy violations. Your cooperation in this regard is greatly appreciated. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation