Consumer complaint received 2024-11-20 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:
I, XXXX XXXX, am addressing multiple violations of the Fair Credit Reporting Act ( FCRA ) that have occurred regarding my credit report. These violations have affected my credit file and I am requesting immediate action to resolve these issues. Below is an explanation of the key legal violations and demands I have made, based on U.S. Code laws : 1. FCRA Section 616 - Civil Liability for Willful Noncompliance ( 15 U.S.C. 1681n ) The credit reporting agencies accepted credit information about me without properly verifying its accuracy. This failure to validate the information constitutes willful noncompliance, which under FCRA Section 616 can result in civil liability of up to {$1000.00} per violation. I am holding them accountable for their actions and demanding immediate corrections to my credit report.

2. FCRA Section 603 ( d ) ( 2 ) ( A ) - Disclosures of Personal Information ( 15 U.S.C. 1681d ) The credit reporting agencies failed to disclose my right to opt out of sharing my personal information with third parties, as required by FCRA Section 603 ( d ) ( 2 ) ( A ). This omission violates my rights as a consumer, and I demand that they inform me of my opt-out rights in compliance with the law.

3. FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms ( 15 U.S.C. 1681s-2 ) The credit agencies have reported inaccurate credit inquiries and accounts, which is deceptive and misleading under FCRA Section 623 ( a ) ( 3 ). By failing to properly validate these debts and accounts, the information provided is misleading and does not comply with Generally Accepted Accounting Principles ( GAAP ). This is a clear violation of my rights, and I demand corrections.

4. Violation of the Debt Collection Practices Act ( 15 U.S.C. 1692 ) I also believe the credit reporting agencies violated the Fair Debt Collection Practices Act ( FDCPA ) by allowing debt collectors to report inaccurate debts on my credit file and engage in harassment without my consent. These actions have caused undue distress and unnecessary contact from creditors.

5. Violation of Acquiring Location Information Regulations ( 15 U.S.C. 1692b ) It appears that debt collectors have contacted third-party credit reporting agencies and disclosed my personal debt information in violation of regulations that prohibit such disclosure. This is a clear violation of the regulations prohibiting disclosure of debt information to third parties without my consent.

6. Violation of Timely Payments Regulations ( 15 U.S.C. 1681i ) The credit report inaccurately lists late payments on my account without clarifying what constitutes a " late '' payment. This is misleading and deceptive, violating my rights under the FCRA, as the report does not accurately reflect my payment history.

7. Violation of Finance Charge Determination ( 15 U.S.C. 1666 ) The credit reporting agencies failed to accurately determine finance charges associated with certain accounts. As per the FCRA and other relevant regulations, they are responsible for providing accurate financial details in my credit report, which they have failed to do.

8. Violation of Credit Report Permissible Purposes ( 15 U.S.C. 1681b ) The credit reporting agencies reported certain information without obtaining my written consent, violating the permissible purposes under FCRA Section 1681b. Specifically, unauthorized hard inquiries were made on my credit report without my permission, which I demand to be removed immediately.

Demand for Immediate Action : I have outlined the necessary corrections and updates I expect, including the removal of inaccurate personal information, updates to accounts that were incorrectly reported as late, and the deletion of unauthorized hard inquiries. Specifically, I demand that the following actions be taken : Delete incorrect personal information ( addresses that do not pertain to me ). 
Update late payment reports on several accounts, including XXXX, XXXX, and XXXX, which I believe were incorrectly marked as late. 
Validate debts under 15 U.S. Code 1692g, requesting the necessary documentation to prove the legitimacy of several reported accounts.

Remove unauthorized hard inquiries from my credit file, as they were made without my consent, violating FCRA Section 1681b ( a ) ( 2 ).

I have clearly requested that if the debt collectors can not provide adequate validation of the alleged debts, these accounts must be deleted from my credit report. Similarly, all unauthorized hard inquiries must be deleted to comply with the law. 

Conclusion : In light of these violations, I demand a prompt response and resolution. If these matters are not corrected within the time frame set by the FCRA, I will be forced to pursue all available legal remedies. Under the FCRA, these violations carry significant legal consequences, and I intend to hold all responsible parties accountable for their actions.

Company response to consumer: Closed with non-monetary relief