Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report.

The Credit Bureaus never did a proper " investigation '' according to the FCRA 15 USC 1681 and CFPB Consumer Laws and Regulations The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).

I've NEVER received Notice that my information would be shared to third parties. I did not consent, nor did I provide written permission to share my nonpublic personal information with anyone, CRAs or Creditors. Also, 15 USC 1681 604 A Section 2 - States a Consumer Reporting Agency SHALL Not furnish an account without my written permission or instruction. I have never given written permission to any company.

According to the Fair Credit Reporting Act ( Inquiries ) Creditors can not inquire on my credit report or my credit score without my permission. The following listed inquiries on inquiries on my credit report were not authorized by me and should be removed within 30 days as per the law Unauthorized use Truth in Lending 15 USC 1602 ( See attached Credit Reports ) INQUIRIES NOT AUTHORIZED ME UNAUTHORIZED, UNKNOWN, and UNRECOGIZED. Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per US Code 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

Per 15 USC 6803 Disclosure of institution privacy policy ( a ) DISCLOSURE REQUIRED At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to- ( 1 ) Disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; *I was never provided NOTICE at the Time of establishing customer relationship and because of the companys unethical business practice ALL inquiries listed below must be deleted as well The following items listed below are identified as a result of identity theft. These items were illegally placed on my credit report without Notice and I never gave consent nor permission for these companies to report my private non-public information below. I never received the Social Security Form SSA89 the Authorization for the Social Security Administration ( SSA ) To Release Social Security Number ( SSN ) Verification. These companies must have this form on file prior to releasing information to the CRAs 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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.

The Credit Bureaus must obey the law, including the Fair Credit Reporting Act ( FCRA ) According to the FCRA an item on my Credit Report MUST be removed if it is any of the following : 1. Inaccurate an item isnt mine, high balance account incorrect are incorrect, a closed account listed as open ( or vice versa ), the date of last activity is incorrect, and so much more.

2. Incomplete a field is black, a number or word is truncated, a number or letter is missing, false numbers or letters are added, or something is reported wrong.

3. Unverifiable I need proof that a debt collector has the right to collect from me, and want a original hand signed contract bearing my signature.

No proof of contract means no authority to report or collect from me.

These companies have complied reports on me that is supposed to represent who I am, and I did not give them permission to do that. The information which they have provided to you on record is a violation of my Consumer Rights and my Privacy.

Im demanding that you follow the law and block/remove any information identified as a result of Identity Theft, no later than 4 business days after the date of receipt of such information you receive from me. No Consent equals Identity Theft and a Crime Act per 18 USC 1028

Company response to consumer: Closed with explanation