Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
I recently received a copy of my credit report in the mail that you sent out with the investigation results that you were not able to verify correctly., and I noticed furnished accounts on my report that werent granted permission to post on my credit report. I HAVE NOT GIVEN ANYONE consent to my nonpublic personal information nor have i given any XXXX party consent to furnish a report. I don't want any automated letters or messages, no one writing for me. I'm writing this for myself, Collection 12 CFR 1006.34 ( d ), 15 USC 1681-S2 ( 7 ) ( A ) basically states collection agency can NOT added account to consumer report without validate the debt. Litigation in process act immediately you are in violation. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. I have been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). I am a litigious consumer. Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice. These items should be deleted immediately while in litigation per FCRA guidelines. If you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
In addition, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS. Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
List of accounts are below that need to be deleted immediately. this agency is in violation of 15 USC 1681. 
XXXX XXXX XXXX * * * * * * XXXX XXXX XXXX * * * * * * * * XXXX XXXX XXXX XXXX * * * * XXXX  XXXX * * * * * * * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX  XXXX * * * * * * * * * * * * * * * * * XXXX XXXX XXXX * * * * XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Under 15 USC 1666b, a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 

XXXX XXXX XXXX XXXX * * Also, I already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Federal Trade Commission ).

Company response to consumer: Closed with non-monetary relief