Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: CA
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:
XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX ( XXXX, XXXX ), # XXXX ( Equifax ) XXXX  XXXX XXXX Account # XXXX XXXX XXXX, XXXX ) XXXX # XXXX ( Equifax ) XXXX Account # XXXX ( XXXX, Equifax ) 1 ) I submitted my original dispute to Equifax on XXXX. 
2 ) I received no response at all. 
3 ) I filed a complaint with the CFPB on XXXX for Equifax violating the rules of the Fair Credit Reporting Act. 
4 ) Equifax finally responded on XXXX without adequately responding to my dispute of them violating the Fair Credit Reporting Act nor have they provided proof of these creditors having permission to furnish these accounts on my consumer report. 

15 U.S.C. 1681 section 602 ( A ) states I have the right to privacy. I never gave permission for Equifax to share my report with these or any other creditors. 

15 U.S.C. 1681 section 604 ( A ) ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions. Equifax, nor these creditors, has received my written permission to furnish these accounts on my consumer report. 

15 U.S.C 1681i Section A states a consumer reporting agency, upon a consumer dispute, must conduct a reinvestigation to determine whether information is inaccurate and record the current status or delete the item from the file before the end of the 30 day period beginning on the date on which the agency receives the notice of dispute from the consumer. Equifax did not provide evidence of or conduct an investigation within the 30 days after I submitted my dispute ( XXXX ). In fact, they didnt respond or investigate at all until I submitted a complaint with the CFPB. Under the Fair Credit Reporting Act that is a violation and all disputed accounts must be REMOVED from my consumer report. Equifax still has not provided proof of a reasonable reinvestigation simply stating the accounts have been proving verified without evidence, yet there are CLEAR inaccuracies in the reporting of said accounts. 

As you can see in my credit report in the attached documents the information these creditors and credit reporting agencies, including Equifax, have furnished on my consumer report is not even consistent let alone accurate. Had Equifax done a reasonable investigation at any point they should have been able to spot these inaccuracies. Instead they have unfairly affected my ability to receive fair credit costing me opportunity. Each infraction of my rights is punishable by no less than {$1000.00} per violation. All accounts must be REMOVED from my consumer report immediately. 

Equifax has not provided any evidence of me giving these creditors permissible purpose to furnish any of this information on my consumer report! That is a clear violation of the Fair Credit Reporting Act. All accounts must be REMOVED from my consumer report immediately! Equifax, being a consumer reporting agency, is responsible for these violations of my rights.

Company response to consumer: Closed with explanation