Consumer complaint received 2024-03-29 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DOB : XX/XX/XXXX SSN : XXXX Dear, Equifax XX/XX/XXXX ( YOUR VIOLATING MY CONSUMER RIGHTS ) I'm contacting you because of false items on my consumer report! 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 USC 1681. Please fully investigate the errors below because as I know under my consumer report those accounts are not supposed to report in this way. I request to immediately be removed before legal action is taken. The items listed with your bureau on my report are inaccurate/apart of someone falsely using my personal information! Ive taken all of the necessary steps to resolve this on my end. Your bureau should be ashamed of themselves ; especially for the hardships this has caused me, and my needs to support my loved ones! I will be forwarding this report to my attorney and submitting my identity theft report with all of my updated documents and personal verification. This needs to be resolved ASAP Equifax! 

Inquires : Date opened : XX/XX/XXXX Name : XXXX XXXX, XXXX Date opened : XX/XX/XXXX Name : XXXX Date opened : XX/XX/XXXX Name : XXXX  Date opened : XX/XX/XXXX Name : XXXX XXXX Date opened : XX/XX/XXXX Name : XXXX XXXX Date opened : XX/XX/XXXX Name : XXXX XXXX Collections : Original Creditor : XXXX XXXX. 
Balance : {$170.00} Account # : XXXX XXXX XXXX ( Please remove from my credit report immediately ) ^Please remove these accounts from my credit report immediately ^ LISTED LAWS YOUR BREAKING 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 an account without my written instructions 15 U.S.C 1681c. ( 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. 1681s-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.

15 USC 1692b ( 5 ) Not use any language, symbol on any envelope that indicates that the debt collector is a debt collector. Meaning if there is a symbol ; which is shown, the debt collector is in a huge violation. Without written instructions, I never gave anybody written information to put anything on my credit report. I never wrote up anything saying I gave a creditor permission to report anything on my report. Which means the account shouldnt be there! 
Under 15 U.S. Code 1692k - Civil liability I Demand 1,000 dollars for each violation as you have caused severe damage to my character. ( a ) Amount of damages except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office, and The XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15-day timeframe you have. 
You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages along with the violations you have already committed. The invoice will be attached to this Letter Thank you! 
Sincerely, XXXX XXXX ( Proof Of These Items will be attached to this document ) SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation