Consumer complaint received 2021-06-13
Company: EQUIFAX, INC.
State: SC
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:
equifax, Per 15 U.S. Code 1679c states You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information.. By law you are required to dispute and investigate anything that I deem inaccurate on my credit file.

This is my final attempt to have you willfully abide by the United States law before pursuing formal litigation against your corporation. I have sent numerous reports to your corporation and you have chosen not to comply with the United States law. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card per 15 usc 1681 and 15 usc 1602 ( i ) is ( l ) 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. CONGRESS SAID ANY CARD, In this case the credit card is my social security card. This card was used to originate every consumer credit transaction below. Every item listed below shall be removed from my credit file immediately pursuant to 15 usc 1681a ( 2 ) ( B ). Furthermore, I have never given your agency the written consent to furnish my credit report pursuant to 15 us 1681B-In accordance with the written instructions of the consumer to whom it relates. Again I am demanding that you remove these transactions from my credit file immediately as you are willingingly violating my rights as a federally protected consumer under title 15 chapter 41. Results of your deletion should only be delivered as a response to my CFPB complaint. If you deliver your deletion results anywhere outside of where I the consumer consented you WILL be fine XXXX for mail fraud pursuant to 18 U.S. Code 1342.

Continuing your non compliance will result in litigation and a {XXXX} fine per violation. 

Items to be deleted immediately : XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Financial Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX from XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation