Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/XXXX, CONSUMER and ORIGINAL CREDITOR, XXXX XXXX having full faith and credit with XXXX, submitted a complaint to CFPB with an AFFADAVIT of truth which was totally ignored by all three CRA, information FURNISHERS. Complaint # XXXX-XXXX, # XXXX-XXXX  and # XXXX-XXXX. 

All three CRA denied its violations of the FCRA and this CONSUMER, XXXX XXXX unto privacy rights concerning my credit information and protection from the misuse of credit data. It is beloved these violations are negligent, willful and intentional as to the history of these violations. This CONSUMER credit report was disclosed to entities without a valid need and has pulled consumer report without consent and/or impermissible purpose. There has also been numerous Data Breach Violations within the last 10 years The FCRA governs the CRA aka FURNISHERS behaviors, the CRAs compiled information into my credit report. I have suffered harm from being denied car loans, credit cards, jobs, housing due to information being reported without CONSENT.

All three CRA behaved recklessly nd should have not that is was running afoul of the FCRA and continues to FAIL to exercise the care towards this CONSUMER, XXXX XXXX after 10 years CONSUMER XXXX XXXX credit score has not changed respectively of more than 10+ points. CONSUMER, XXXX XXXX, is seeking redress as all three CRAs failed t safeguard personal information as required by CONGRESS. 'All to often the invasion of privacy irself will go unknown. Only by striking at all aspects of the proble can privacy be adequately protected'-Bartnicki v Vopper , 532 U.S. 514, 549 ( 2001 ) ( Rehnquist, C.J.. disenting ) .

Under the Consumer Credit Reporting Reform Act of 1996, Congress has enacted laws that impose obligations on commercial firms to minimize the rish of the misuse of personal information and provided for stautory damages when these comp aies fail to comply with the requirements. FCRA placed emphasis on CRAs an obligation to ensure that the information is correct and timely, 15 USC 1681 ( e ) ( b ) and provides CONSUMER, XXXX XXXX the opportunity to inspect the record and correct it if necessary, XXXX ( g ). 

On XX/XX/XXXX, CONSUMER, XXXX XXXX sent all three CRAs this letter : I, XXXX XXXX, the ORIGIANL CREDITOR and CONSUMER PURSUANT to 15 USC 1681 ( 2 ) ( b ) 'any authorization approval of a specific extension of credit directly or indirectly by the issuer f a credit card or similar device should be excluded for a consumer report.

The definition of credit card under 15 USC 1681 is the same as it is under 15 1602 ( 1 ) which is 'the term, credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. In this occurrence, the CONSUMER and ORIGINAL CREDIT refers to Social Security Card aka Credit Card. 
CONGRESS stating 'ANY CARD '. This credit card consist f the Social Security Card. This is the credit card, I, XXXX XXXX, the ORIGINAL CREDITOR and CONSUER, used to originate EVERY Consumer credit transactions below, PLEASE REMOVE the following transactions from my Consumer Reports Pursuant to 1861 ( 2 ) ( b ) I, XXXX XXXX, the ORIGINAL CREDITOR and CONSUMER, am demanding that you remove these transactions from my consumer report immediately as they are in violation of my rights as a Federally Protected Consumer under Title 15 Chapter 41.

1. Any personal information including address, date of birth, social security number 2. Department of Education/XXXX  3. XXXX XXXX XXXX. XXXX XXXX 5. XXXX  6. XXXX 7. Any Bankruptcies 8. All hard inquiries including : XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. 
Over the last five years, I have disputed many inaccuracies that was put on my Consumer Report without my CONSENT and some items were deleted. Deletion is an admission within the FCRA, any many items were removed. The extent of a consumer reporting agency 's obligation Pursuant to section 611 ( a ) of the FCRA, 15 USC 1681 ( i ) ( a ) ( 1982 ) is to conduct a reasonable reinvestigation of information on a consumer credit report alleged by the consumer to be inaccurate.

Under Cushman v Transunion Corp, 920 F Supp, 80, 83-84 ( E.D Pa 1996 ), I XXXX XXXX, ORIGINAL CREDITOR is alleging unfairness, inaccuracies, invasion of privacy, negligent and willful failure to reinvestigate the disputing entity in violation of section 611 ( a ), 616 and 617 of the FCRA, 15 USC 1681 ( i ) ( a ). 
Over the last several years, I XXXX XXXX, ORIGINAL CREDITOR has filed many disputes/claims under FCRA 1681s-2 ( b ) claims must be initiated by alerting a CRA of a dispute of erroneous information reported. 
Please Cease and Desist your illegal activities as you have not had Consent to publish private information, I, XXXX XXXX, have a right to privacy and this information is not deleted with 30 days, I, I XXXX XXXX, ORIGINAL CREDITOR will follow up with an Affidavit and Cease and Desist along with an Invoice to CFPB with proof to settle out of court. 

All three CRAs are also in FCRA violation of mixing files with XXXX XXXX XXXX. 

I have also verbally given permission to XXXX  to discuss the violations.

Company response to consumer: Closed with explanation