Consumer complaint received 2024-10-14 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:
This is NOT a duplicate report and this is not filed by a XXXX XXXX XXXX. In accordance with the Fair Credit Reporting Act XXXX. 

After reviewing my submission I noticed that the Credit Bureaus stated that my accounts were properly investigated, that can not be possible because some of the open dates are inaccurate, the dates last active are inaccurate and dates last reported are inaccurate? These inaccuracies are grounds for removal whereas : The Credit Bureaus also violated my rights under 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 604 section 2. States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 n ( A ) ( 1 ). States any actual damages sustained by the consumer as a result of the failure or damages of not less than {$XXXX} and not more than {$XXXX}. 
15 U.S.C. 1681 section 603 ( 3 ) ( E ). States the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained from a creditor of the consumer or from the consumer.

15 U.S.C. 1681 b ( a ) ( 2 ) Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions to the consumer to whom it relates If the following accounts are not removed immediately I will be reporting your company to the BBB and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering. 

Account name : XXXX XXXX Bank Account XXXX XXXX Account name : XXXX Bank XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Bank Account XXXX XXXX Account name : XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account name : XXXXXXXX XXXX  Account # XXXX Account name : XXXX ( XXXX ) Account # XXXX Account name : XXXXXXXX XXXX  Account # XXXX Furthermore, please provide the following : 1, The Original Contracts with my signature on it 2. Creditor information ( Name, Address and phone number of original merchant ) 3. The payment history and itemized billing associated with each account 4. Proof of Ownership ( Proof that the company trying to collect this debt has authorization to do so ) If you cant provide these four things for all of the above accounts then please delete these accounts immediately. Thanks

Company response to consumer: Closed with explanation