Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom it may concern, Me XXXX XXXX, the Consumer is protected by the rights under The Consumer Protection Act of 1968. Equifax is Violating the law. I have requested numerous times for certain accounts and items to be removed from my consumer report. I have had no contract with your company. Equifax VIOLATED Title 15 U.S. Code 1681b ( a ) ( 2 ). I never gave written instructions, or power of attorney to create a consumer report on me XXXX XXXX XXXX. This Is A VIOLATION of My Consumer Rights. 

Title 15 U.S. Code 1602 ( 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. Meaning my social security card! Every account or alleged account was open with my credit card SOCIAL SECURITY CARD I have credit card accounts that should have never been on my consumer report. Its a VIOLATION of my Consumer rights pursuant to Title 15 U.S. Code 1681a ( 2 ) ( b ) Except as provided in paragraph ( 3 ), the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; I Want All Inquiries Hard/Soft To Be Removed From My Consumer Reports. Every inquiry I dont have an open account with is in violation. Inquirys without a valid permissible purpose is a violation. 

Title 15 U.S. Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I Never gave consent to any credit agency or corporation to report or/and furnish and have any of my personal private information which is identity theft pursuant to 12 Cfr 1022.3 ( h ). 

The following accounts and/or items that are violation of FCRA & need to be remove immediately : XXXX XXXX credit card or similar device fraud identity theft Account # XXXX XXXX XXXX XXXX credit card or similar device fraud identity theft Account # XXXXXXXX XXXX  credit card or similar device Account # XXXX XXXX  XXXXXXXX XXXX  credit card or similar device Account # XXXX XXXX XXXX credit card or similar device Account # XXXXXXXX XXXX XXXX XXXX credit card or similar device Charge Off Account # XXXX XXXX XXXX XXXX. fraud credit card or similar device identity theft Account # XXXX XXXX XXXX XXXX credit card or similar device identity theft Account # XXXX XXXX  credit card or similar device Account # XXXXXXXX XXXX XXXXXXXX XXXX credit card or similar device Account # XXXX Department of XXXX credit card or similar device Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX credit card or similar device Account # XXXX XXXX XXXX Tn XXXX credit card or similar device Account # XXXX XXXX XXXX credit card or similar device Account # XXXXXXXX XXXX credit card or similar device Account # XXXX XXXX XXXX credit card or similar device Account # XXXX XXXX XXXX  credit card or similar device charge off Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX credit card or similar device Account # XXXX XXXX XXXX credit card or similar device Account # XXXX XXXX XXXX XXXX XXXX or similar device Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXXXXXX XXXX  credit card or similar device identity theft Account # XXXX XXXX XXXX XXXX credit card or similar device identity theft Account # XXXXXXXX XXXX XXXX XXXX  credit card or similar device identity theft Account # XXXX Original creditor XXXXXXXX XXXX  credit card or similar device identity theft Account # XXXX Hard Inquiries XX/XX/XXXX XXXX XXXX Tn XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Tn XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation