Consumer complaint received 2022-02-07
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:
YOU ARE BREAKING FEDERAL LAW UNDER THE FCRA/FDCPA! 
NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 
AN AGREEMENT IS NOT LEGALLY BINDING. YOUR COMPANYS AGREEMENT OR TERMS AND CONDITIONS DOES NOT SUPERSEDE FEDERAL LAW UNDER THE FCRA OR FDCA. 
NO FEDERAL OR STATE LAW IN YOUR TERMS AND CONDITIONS OR AGREEMENT STATES THE INFORMATION HAS TO BE PUBLISHED ON MY CONSUMER REPORTS. 

To Whom It May Concern : I recently received a copy of my credit report, and I noticed the accounts on my consumer report that should NOT be there. 
XXXX XXXX XXXX with a balance of {$3000.00} XXXX XXXX with a balance of {$1100.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Credit Card # XXXX {$1300.00}. 
The reporting of these accounts is in violation of 15 USC 1602 ( B ), The Fair Credit Reporting Act [ 15 USC 1602 ( B ) ] I have recently come across information from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

( Financial Companies listed above ) did not disclose this information to me that is required by federal law. 
( Financial Companies listed above ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. 
( Financial Companies listed above ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option.

Financial Companies listed above are RESPONSIBLE FOR PROVIDING ALL 3 DISCLOSURES. ALL 3 DISCLOSURES WERE NOT PROVIDED THEREFORE THE ACCOUNT MUST BE DELETED FROM MY CONSUMER REPORTS IMMEDIATELY! 

You are in violations of several federal laws and you have 30 calendar days from the receipt of this letter to delete these accounts from my credit report.

The reporting of these accounts are also in violation of [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : The Fair Credit Reporting Act, [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : 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. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand these accounts be deleted from my consumer report. 
Failure to respond satisfactory with the deletion of the above accounts, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616 Civil Liability for willful noncompliance [ 15 USC 1681n ] Best regards, XXXX XXXX

Company response to consumer: Closed with explanation