Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: AZ
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:
In accordance with the Fair Credit Reporting act Convergent Account # XXXX, RXXX and XXXX has violated my rights and broken federal law.

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's also states a consumer reporting agency can not furnish a account without my written instructions. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX XXXX Autonow financial services XXXX Also the below listed " personal '' and private information is EXTREMELY inaccurate and is in direct violation of federal law via ; Fair Credit Reporting Act ( FCRA ) ADDRESSES : Personal Information : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Address ID # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Address ID # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Address ID # XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX ID # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ID # XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX ( Address ID # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Address ID # XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX ( Address ID # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX ( Address ID # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Address ID # XXXX ) NAMES : Personal Information : Names XXXX XXXX XXXX XXXX ( Name ID # XXXX ) XXXXXXXX XXXX XXXX ( Name ID # XXXX ) XXXX XXXX XXXX Name ID # XXXX ) XXXX XXXX XXXX Name ID # XXXX ) It has also come to my attention for the record that XXXX XXXX ( XXXX XXXX, XXXX XXXX ), Equifax, ( ( 1 ) Subsidiary of Equifax Information Services LLC ( 2 ) XXXX XXXX  XXXX XXXX. 
( XXXX ) Subsidiary of Equifax XXXX XXXX XXXX XXXX XXXX ( 4 ) Subsidiary of Equifax XXXX XXXX ( 5 ) Subsidiary of Equifax XXXX XXXX ( 6 ) Subsidiary of Equifax XXXX  ( 7 ) Subsidiary of XXXX  XXXX XXXX XXXX ( 8 XXXX Subsidiary of XXXX XXXX XXXX ( XXXX ) Subsidiary of XXXX XXXX XXXX XXXX ) Subsidiary XXXX XXXX XXXX XXXX 
( 11 ) Subsidiary of Equifax XXXX XXXX XXXX ( 12 ) Subsidiary of Equifax XXXX XXXXXXXX, XXXX. 
( 13 ) Subsidiary of Equifax XXXX ( 1 ), XXXX. 
( 14 ) Subsidiary of XXXXXXXX XXXX XXXX Company ( 15 ) Subsidiary of Equifax XXXX ( No. 2 ) XXXX. ( 16 ) Subsidiary of Equifax XXXX XXXX ( 17 ) Subsidiary of Equifax XXXX XXXX, XXXX. 
( 18 ) Subsidiary of Equifax XXXX ( XXXX ), XXXX. 
( 19 ) Subsidiary of Equifax XXXX XXXX XXXX XXXX XXXX XXXX. 
( 20 ) Subsidiary of XXXX XXXX XXXX. 
( 21 ) Subsidiary of Equifax XXXX XXXX XXXX XXXX ( 22 ) Subsidiary of XXXX XXXX XXXX ), XXXX ( XXXX, XXXX XXXX, XXXX XXXX, is currently, in real time reporting one or more Unknown/Fraudulent " hard Inquiries '', also in direct violation of federal law. Listed below are the Fraudulent|Unknown/Inaccurate hard Inquiries ; Hard Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Simply for the record and personal record moving forward as evidence received. Last 4 of my social security number for correct credit profile identification purposes. 
xxx-xx- XXXX My only legal/ Valid date of birth is : XX/XX/XXXX  My only legal/ Given name is : XXXX XXXX I will not be providing any other extra/additional information to any of the credit reporting agencies if requested as a response to my complaint. My only response will be civil litigation in federal court moving foward. If corrections are not made within the legally allotted amount of time once verified that this complaint has been received by the credit reporting agencies before mentioned via CFPB, thus binding as record.

Company response to consumer: Closed with explanation