Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: NY
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:
To whom it may concern i am putting you on notice and reporting an Identity theft report pursuant to 15 U.S. Code 1681a ( 4 ) ______________________________________________________________________ the term identity theft report has the meaning given that term by rule of the Bureau, I am not denying my account or stating this account isn't mine. I am not asking for verification as defined pursuant to 15 U.S. Code 1681a ( l ) ( 2 ) ( A ) information in the consumers application for the credit or other information bearing on the credit worthiness of the consumer ; or pursuant to 15 U.S. Code 1681a ( l ) ( 2 ) ( B ) of the information in the consumers application for the credit to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. I am demanding you to remove my account information as you have no permissible purpose to furnish a consumer report in regards to i the consumer This is a report that alleges an identity theft which is a requirement pursuant to 15 U.S. Code 1681a ( 4 ) ( A ) of a identify theft report, and pursuant to 15 U.S. Code 1681a ( 3 ) Identity theft fraud committed using the identifying information of another person, _____________________________________________________________________ 15 U.S. Code 1681a ( 3 ) Identity theft.

The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation This report was filed by, i the consumer with an appropriate Federal Law enforcement, government agency making this report Valid pursuant to 15 U.S. Code 1681a ( 4 ) ( B ) I am aware pursuant to 15 U.S. Code 1681a ( 4 ) ( C ) i may be charged with criminal penalties relating to the filing of false information if, in fact, the information in the report is false I am a consumer pursuant to 12 CFR 1022.3 ( f ), 15 U.S. Code 1681a ( c ), i do understand XXXX thinks they are a Furnisher of information and states they are required to furnishing accurate information, in fact pursuant to 12 CFR 1022.41 ( c ) ( 2 ) you can not be a Furnisher because you acting as consumer reporting agency as defined pursuant to 15 U.S. Code 1681a of the FCRA, My Identifying information pursuant to 12 CFR 1022.3 ( g ) ( 1 ) which is my name social security number, government identification number date of birth, pursuant to 12 CFR 1022.3 ( g ) 3 ) my account number which is a unique electronic identification number Used To identify me the consumer specifically, in conjunction with information regarding my transactions and experiences, which would be a consumer report pursuant to 15 U.S. Code 1681a ( d ) ( 1 ) ( A ) and XXXX is a consumer reporting agency due to the fact such information is bearing on my consumer credit worthiness, credit standing, credit capacity, character, general reputation, and was collected for the purpose of serving as a factor in establishing the consumers eligibility for credit and has a direct reflection on my credit score pursuant to 15 U.S. Code 1681g ( f ) ( 2 ) ( A ) ( i ) _________________________________________________________________________ Credit score means a numerical value or a categorization derived from a statistical tool or modeling system used by a person who makes or arranges a loan to predict the likelihood of certain credit behaviors, including default ( and the numerical value or the categorization derived from such analysis may also be referred to as a risk predictor or risk score ) 15 U.S. Code 1681a ( d ) ( 1 ) In general.The term consumer report means ANY written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

In addition, pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) EQUIFAX failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under 15 U.S. Code 1681 ( b ) in conjunction pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, you have failed pursuant to 15 U.S. Code 1681e ( a ) to maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. In conjunction Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) you have willfully fails to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer and you are committing identity theft using my identifiable information unauthorized and by law you are liable to i XXXX XXXX in an amount equal to the sum of {$1000.00} damages sustained by the consumer as a result of the failure In addition you have obtained information on, i the consumer under false pretenses from XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q Please understand if you refuse to remove my account from my consumer report i would be authorized pursuant to 15 U.S. Code 1681p to bring this matter up to any appropriate United States district court, without regard to the amount in controversy, and may be awarded pursuant to 15 U.S. Code 1681n ( 2 ) a amount of punitive damages as the court may allow ; I HAVE ATTACHED MY CONSUMER REPORT FOR PROOF OF REPORTING PLEASE SEE EXHIBIT B With Explicit Reservation of all Right, Without Prejudice UCC 1-308. 
XXXX XXXX

Company response to consumer: Closed with explanation