Consumer complaint received 2023-12-26 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: NY

Complaint narrative:
XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX - XXXX - According to 15 USC 1666b no person can furnish a late payment on an open ended account. Please update the payment history to XXXX XXXX paid on time. -. 

XXXX - XXXX - According to 15 USC 1666b no person can furnish a late payment on an open ended account. Please update the payment history to XXXX XXXX paid on time. -. 

XXXXXXXX XXXX XXXX XXXXXXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX - XXXX - According to 15 USC 1666b no person can furnish a late payment on an open ended account. Please update the payment history to XXXX XXXX paid on time. -. 

XXXX XXXX XXXXXXXX - XXXX XXXX False misleading information XXXX XXXXXXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my XXXX signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - XXXX XXXXXXXX False misleading information XXXX XXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my XXXX signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX CARD - XXXX - XXXX  XXXX False misleading information XXXX XXXXXXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX  days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my XXXX  signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - XXXX  XXXX False misleading information XXXX  XXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my XXXX signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXXXXXX XXXX XXXXXXXX - XXXX - XXXX XXXXXXXX False misleading information XXXX XXXXXXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX  days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my XXXX  signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX  XXXX - XXXX XXXXXXXX False misleading information XXXX XXXXXXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX  days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my XXXX  signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXXXXXX XXXX XXXX XXXX  XXXX - XXXX XXXXXXXX False misleading information XXXX XXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX  days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my XXXX signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX  XXXX - XXXX  XXXX False misleading information XXXX XXXXXXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX  days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my XXXX  signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - According to 15 USC 1666b no person can furnish a late payment on an open ended account. Please update the payment history to XXXX XXXX paid on time. -. 

XXXXXXXX XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX - XXXX - According to 15 USC 1666b no person can furnish a late payment on an open ended account. Please update the payment history to XXXX XXXX paid on time. -. 

XXXX - XXXX - According to 15 USC 1666b no person can furnish a late payment on an open ended account. Please update the payment history to XXXX XXXX paid on time. -. 

XXXX XXXX  XXXX - XXXX XXXXXXXX False misleading information XXXX XXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my XXXX signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - XXXX XXXXXXXX False misleading information XXXX XXXXXXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my XXXX signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - XXXX XXXXXXXX False misleading information XXXX XXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX  days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my XXXX  signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX  XXXX - XXXX - XXXX XXXX False misleading information XXXX  XXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my XXXX signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX  - XXXX - XXXX XXXX False misleading information XXXX XXXXXXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my XXXX  signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - XXXX XXXXXXXX False misleading information XXXX XXXXXXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my XXXX  signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - XXXX XXXX False misleading information XXXX XXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my XXXX  signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - XXXX XXXXXXXX False misleading information XXXX  XXXX furnishing deceptive forms. This agent is in violation of XXXX5 USC 1692g Because they were to notify me of this in writing XXXX days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my XXXX signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XX/XX/2023 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX XXXXXXXX - XX/XX/2023 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX XXXX - XX/XX/2023 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX - XX/XX/2023 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX - XXXX - According to 15 USC 1666b no person can furnish a late payment on an open ended account. Please update the payment history to XXXX XXXX paid on time. -. 

XXXX XXXX - XXXX - According to 15 USC 1666b no person can furnish a late payment on an open ended account. Please update the payment history to XXXX XXXX paid on time. -. 

XXXX XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX - XXXX - According to 15 USC 1666b no person can furnish a late payment on an open ended account. Please update the payment history to XXXX XXXX paid on time. -. 

XXXX XXXX XXXX - XXXX - XXXX XXXX False misleading information XXXX XXXXXXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my XXXX signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXXXXXX - XXXX XXXXXXXX False misleading information XXXX XXXXXXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my XXXX signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - XXXX XXXXXXXX False misleading information XXXX XXXXXXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my XXXX signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX False misleading information XXXX XXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX  - XXXX - XXXX XXXX  False misleading information XXXX XXXXXXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my XXXX signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - XXXX XXXXXXXX False misleading information XXXX  XXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my XXXX signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXXXXXX - XXXX - XXXX  XXXX False misleading information XXXX XXXXXXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX  days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my XXXX signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - XXXX  XXXX False misleading information XXXX XXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my XXXX signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XX/XX/2023 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 


XXXX XXXX, XXXX, and Equifax have violated my rights. 

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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 data is inaccurate.

Company response to consumer: Closed with non-monetary relief