Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. They have egregiously violated my rights numerous times over the past years : I demand the accounts below be removed because according to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts : They have affected further injury to me by allowing my identity to be compromised in their hack and now I am once again battling identity theft and fraud due to their data breach. Equifax 's unfair practices that they have admitted to have caused me to pay higher interest rates and shut me out from access to capital and credit in an effort to prevent me from being afforded equal opportunity to pursue life and happiness while developing wealth in America. 

Equifax needs to delete the following accounts : XXXX XXXX XXXX Late payments/ Never Late XXXX XXXX XXXXXXXX Late Payment / Never late XXXX XXXX XXXX XXXX XXXX XXXX Never late XXXX XXXX XXXX Late Payments/ Never Late XXXX XXXX XXXX XXXX Late Payments/ Never XXXX XXXX XXXX XXXX Late Payments/ Nothing Owed Installment completed according to terms, it even states that! This account should be deleted completely. 
XXXX XXXX XXXX XXXXXXXX Late Payments/ Never late, Vehicle was returned taken while I was trapped out of country in hospital for XXXX. 
XXXX XXXX XXXX XXXX / Never Late, Not my account. I was in XXXX for XXXX please delete. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Late Payments/ Never late XXXX XXXX XXXX  XXXX Late Payment / Never Late ever! 
All hard and soft inquires are not mine and must be deleted as well! 

The law in case Equifax want to pretend to not know it! The consumers privacy matters! 

( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation