Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5289457

Complaint Overview

Complaint ID: 5289457

Company: Equifax, INC.

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Incorrect information on your report

Sub-Issue: Information belongs to someone else

State: Florida

ZIP Code: 34471

Date Received: 2022-03-05T12:00:00-05:00

Date Sent to Company: 2022-03-05T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

NEED ATTENTION NOW To whom this may concern Hello, my name is XXXX XXXX, and Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. tel:13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. tel:13407 ( 1 ) BREACH OF SECURITY. The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. YOU HAVE 30 days or you are in VIOLATION of this law because I am a victim of identity theft!! And I requested a delete these items as soon as possible! And your company failed to remove unauthorized accounts on my credit report on. The items I need deleted are listed in the report. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this ( accounts. ) Either provide me strict proof or DELETE the item immediately. If you do not delete the ( inquiry ) in 15 days I will take legal action. Under 15 USC Section 623 you have violated the following : Based on, 15 usc 1692k - civil liability- any violation found you have a case each violation is {$1000.00} per individual action each violation each action if I want each word 15 usc 6802 ( 1 ) ( a ) ( b ) ( c ) financial institutions can not share information to third parties unless you give written consent. It is a violation if they dont disclose your right to opt out consumer transaction 15 usc 1681a ( 2 ) ( iii ) you have the right to deny anything being reported 15 usc 1681a ( k ) ( iii ) adverse action Hard inquiries should not be on your report**** or any adverse action that doesn't benefit you 15 Usc 1681b - permissible purposes of consumer reports 15 usc 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 usc 1681b ( 2 ) ( a ) you determine and tell the credit bureaus what you want on your consumer reports 15 usc 1681c2 - identity theft 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. If you ignore this letter and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. FINE AMOUNT : 15 usc 1681n- civil liability how much they owe for each violation. As long as you been violated you have jurisdiction *** you can get 1000 per inquiry Your cooperation in advance is appreciated. Sincerely, XXXX XXXX CFPB Number x

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