Consumer complaint received 2024-07-18 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:
the inaccurate, unlawful information that you were able to furnish onto my consumer report due to Identity Theft. It does not meet the full compliances of federal U.S. Codes, CFR nor to the fullest extent of the FDCPA, CFPB, or FCRA ; neither were they reported with my written authorization. The furnishing of such inaccurate information has caused severe damage to my character, general mode of living and my ability to obtain credit for personal and house purpose. Documentation to support that the XXXX XXXX XXXXXXXX XXXX has furnished the experience which is the credit utilization of loan or line of credit, paid off percentage, and balance are between the consumer and person is attached to this letter. 
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) states A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

15 U.S. Code 1681a ( 2 ) Exclusions ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( Experience meaning the credit utilization ) the Credit Utilization is to report use of 0 % or REMOVAL of the account permanently ) Credit utilization, Balance, and Paid off percentage, is an experience with the line of credit and/or loan that was extended between the consumer ( ME ) and the person ( YOU ) XXXX XXXX XXXX  XXXX XXXX making this report. Congress clearly states that the reporting of transaction and experiences between the Consumer and the Person ( XXXX XXXX XXXXXXXX XXXX XXXX ) making your furnishing to consumer agencies inaccurate ILLEGAL. 

15 U.S. Code 1692f - Unfair practices- A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

The XXXX XXXX XXXXXXXX XXXX XXXX has committed internet crimes by knowingly furnishing inaccurate and disputed information with the Consumer Reporting Agencies. By including late payments also interests fees to my loans every month for at least a decade and ongoing. All of this has happened without my written consent ; my original creditor/ promissory note is NOT with person XXXX XXXX XXXXXXXX XXXX / XXXX which is the parent company of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has also furnished illegal inaccurate information as REMARKS onto my consumer report and scoring system such as XXXX XXXX, XXXX XXXX, and XXXX. 

All supporting documentation is attached and mocked. Any furnishment of inaccurate information such as late payments on previously disputed accounts with XXXX XXXX XXXXXXXX XXXX XXXX or any information that has nothing to do with the removal of my experience which is ( balance, paid off percentage, and reported balance ) with XXXX XXXX XXXXXXXX XXXX XXXX. Will result in the continuation of my complaint filed with the FBI XXXX XXXX XXXX. 

Lastly, the stated monthly payment for each account should reflect in the amount paid off and balance on my report as received as my consumer report reflects on time payments. This will be considered full and accurate reporting. Once our request is fulfilled for accurate reporting which does not include my experience with such person XXXX XXXX  XXXX the original creditor / XXXX a secondary company collecting debt using unfair practices/ the parent company XXXX a government contractor also debt collector ; will result in our dismal of our FBI Internet Crimes Unit Investigation against XXXX.

Company response to consumer: Closed with explanation