Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: GA
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:
I sent you document in reference to accounts listed below. You responded with a dispute letter stating verified. 
Expain your method of verification? Who did you speak to? Include a detailed description of what happened. 
As the Original Creditor, and Conusmer only I can verify debt. I also have the right to privacy. As a Consumer Reporting Agency who assumed its role. You have a grave responsibility to ensure fairness, impartiality, and respect to I, the Consumer right to privacy.

According to 15 USC 1681 Permissible purposes of consumer reports ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I the Consumer never gave express permission to furnish XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX on my Consumer Report. No consent is identity theft. I never gave written instructions to have these items reporting.

Your method of verification is unfair and inaccurate and biased. You are in a violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) I was never given the opportunity to deny this information being communicated in my consumer report. So, not only did you fail in the initial investigation of this information, you assumed this information was valid. According to 15 USC 1681 ( a ) ( 4 ) - You did not ensure that this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and my consumer rights was violated. These grave errors continue to cause harm and damage to my reputation as a consumer. It also, have undermined my confidence in your company procedures, and because of this I will no longer be extending credit, and if this information is not updated and or removed, I will no longer want my information reported in your companies database. Congress also makes it perfectly clear pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting, and failed to investigate, whether it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights. Pursuant to 15 USC 1681a ( B ) - Any authorization of a specific extension of credit or a similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( I ) means any card, plate, coupon book, or credit device existing for the purpose of obtaining money, property, or services on credit. You have consistently deprived me of my rights as a Consumer I am fed up. You have knowingly and willfully continue to break the law.

Are you above the law?

I, the consumer ask for you to REINVESTIGATE, and or DELETE and send me an updated copy of results

Company response to consumer: Closed with explanation