Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
NOTICE OF DISPUTE The Credit reporting agency : EQUIFAX is posting my " Personal Financial Information '' and transaction history without my written consent. This reporting has caused me " EXTREME FINANCIAL INJURY '' and continues to harm my ability to carry out my personal, family and household purposes. I have disputed their report recently and all I got back from their alleged investigation, that took more than 30 days, was verified! '' There is no explanation for this verification process ; as no one from this agency has communicated with me regarding this unknown process '', nor, who authorized them to violate my privacy by telling anyone, with an Internet connection, what Im doing with my private financial matters and who I chose to do business with. I want to know who is paying you to report this and where you are getting this information from? I now know that the Government states that you are not a government entity that has Federal Government approval to do what you do. Here are my demands : I want this agency to provide me with documentation of 'verified ' and 'validated " proof of my LEGAL and LAWFUL obligation to pay what they are reporting on. A report stating verified is no longer acceptable to me, nor does it establish a LAWFUL response. You have 5 calendar days from today XX/XX/2023, to produce this documentation. Failure to comply with my demand in the time frame that I have set for you will result in XXXX or XXXX in XXXX XXXX XXXX. Your work has injured me, and I will no longer allow some company who isnt authorized by me to report anything on me. You don't have my permission, nor do you have a power of attorney authorized by me to do this!!! 
The following accounts are incorrect, and your reporting of my private financial information and transaction history are adversely affecting my livelihood! The law that governs you lists exclusions to your reporting capacity. Your violations of that law are many XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX  XXXX XXXX you're reporting a car loan and transaction history again in violation of your governing law. I don't know who XXXX is, nor, do I have a contract with them, delete or I will enjoin you in arbitration or litigation with them. 
Further, any account that has reported a charge off to you is acting in fraud, you might want to distance yourself from them and remove those accounts from your public website. Failure to comply with this consumer 's order will result in enjoining your company in legal action against the furnisher ( XXXX ). Remove all names except XXXX XXXX XXXX and XXXX XXXX XXXX Remove all address expect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. All others are not valid.

Company response to consumer: Closed with non-monetary relief