Consumer complaint received 2025-01-01 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: MI

Complaint narrative:
XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX, MI XXXX ] [ XXXX ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Inquiry Regarding Compliance with XXXX5 U.S.C. 6802, 1681b ( 2 ), and 1681 ( 4 ) ** Dear [ to who may concern ], I am writing to formally question the accuracy and handling of my credit information as it relates to specific accounts on my credit report and in light of the following federal statutes : 1. 15 U.S.C. 6802 Governing financial institutions duties to respect consumer privacy, including providing notices and obtaining consent before sharing information.

2. 15 U.S.C. 1681b ( 2 ) Outlining permissible purposes for obtaining consumer reports, which require prior written consent.

3. 15 U.S.C. 1681 ( 4 ) Addressing responsibilities for accurate reporting and maintaining fair procedures under the Fair Credit Reporting Act ( FCRA ).

Concerns with Account Reporting Upon reviewing my credit report, I noticed discrepancies or potential issues with the closed accounts listed, including but not limited to : XXXX XXXX XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX XXXX XXXX ( Closed on XX/XX/XXXX future date ) XXXX XXXX  ( Closed on XX/XX/XXXX ) XXXX XXXX Closed on XX/XX/XXXX ) XXXX ( Closed on XX/XX/XXXX future date ) Questions and Requests To address these concerns, I request clarification on the following : 1. Privacy Notice ( 15 U.S.C. 6802 ) : Was I provided with a privacy notice outlining how my information would be shared or reported for each account?

Please provide documentation of any such notice.

2. Permissible Purpose ( 15 U.S.C. 1681b ( 2 ) ) : On what basis were inquiries made or reports generated for the listed accounts?

Were these actions taken with my explicit consent?

Please provide copies of the consent or authorization forms. 
3. Accuracy of Reporting ( 15 U.S.C. 1681 ( 4 ) ) : How were the reported closure dates determined? The presence of future closure dates raises concerns about accuracy. 
Please investigate and provide an explanation for any discrepancies, as well as corrective actions if necessary. 
4. Disclosure and Procedures : What safeguards and procedures do you have in place to ensure compliance with federal laws and accuracy in credit reporting?

I request a prompt and detailed response to each of these questions. If errors or unauthorized actions are identified, I expect it to be removed and reflected in my credit report.

Supporting Information For your reference, I have attached a screenshot of the closed accounts section from my credit report, which highlights the specific accounts in question.

This letter serves as a formal inquiry and dispute under the Fair Credit Reporting Act ( FCRA ). I expect your response within the legally mandated time frame. Failure to adequately address my concerns may result in further action, including the involvement of regulatory authorities. 

Thank you for your attention to this matter. I trust that you will address these issues in a fair and timely manner. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX, MI XXXX ] Let me know if youd like me to refine it further!

Company response to consumer: Closed with non-monetary relief