Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
this is about the inaccuracy that is inequitable furnished by you. Due to these inaccuracy, my rights to extend credit has been damaged severely. As a result I was discriminated against and refused for an APARTMENT, REFINANCE LOAN AND CREDIT CARDS. According to 15 USC1681 ( a ) ( 3 ) Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf I'm also aware that your organization assumed a vital role, as a RESULT my Livelihood has been adversely affected, there is no such law that states that anything has or needs to be reported to any consumer reporting agency therefore your organization is liable. 


15 USC 1681 ( a ) ( 4 ) a consumer reporting agency must exercise their grave responsibility with fairness, impartially and respect for the consumer right to privacy. YOU HAVE DONE NEITHER TO PROTECT MY RIGHT TO PRIVACY, i demand you give me one piece of evidence the information has been properly investigated with details system adopted by your organization to determine whether the transaction took place or not. 
15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for conumer credit I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please delete all negative accounts and inquiries that aren't tied to an open account. I will use these as evidence in small claims as certified dispute between me your organization. That I have prepared to file for your non compliance you company is liable according to 15 USC 1681oUnder the Fair Credit Reporting Act, in section 609. Disclosures to consumers [ 15 U.S.C. 
1681g ] I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report.It is my belief that the source documents used by the information provider are unreliable and that they have matched the disputed account to my credit file in error. Please verify that the social security number and signature on the credit application used to open these disputed account reported on my credit report are truly mine. You can do this by sending me a signed copy of the credit application that was used to open the disputed account. Please verify that all of the information given to you by the provider and then published on my report concerning these disputed account is accurate by sending me the documents you used to verify the accuracy of these item. 

***IMPORTANT*** Please dont respond to my request by saying that this account have been verified by the information provider. Send me copies of the documents that you have retained in your files that your company used to verify the accuracy of these disputed account. 
I do not give your company permission to publish unverified information on my credit file. I am asking your company to legally verify the accuracy of these disputed item and not to just parrot what the information provider tells you. By publishing these unverified item on my credit report you are in violation of the FCRA and by distributing my credit report to 3rd parties you are damaging my reputation and credit worthiness. 
If you do not have any documentation in your files that verify the accuracy of these disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). You have not verified the accuracy of these account. At best, you have only parroted what the information provider told you. The law is clear that a credit reporting agency does not comply with the verification requirement of 1681i if it simply parrots the information providers electronic response.

Under the FCRA 15 U.S.C. 1681i, all unverified account MUST be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the account listed below within 30 days of receipt of this letter then you must remove these account from my credit report.. Pursuant to Title 15 USC Code 1681s-2. 
it is the furnishers duty to provide accurate and true information on a consumers profile. pursuant to Title 15 USC Code 1681s-2 ( 1 ) ( A ).

I hope your company is not in Full acknowledgement of errors, any continue to report enable identify theft. And damages of {$100000.00} a day Fine for personal information being stolen or used without my express written consent.

Company response to consumer: Closed with explanation