Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX NOTICE TO DEMAND PAYMENT FOR CONTINUED VIOLATIONS BY EQUIFAX EQUIFAX XXXX XXXX XXXX, XXXX, XXXX, Georgia XXXX Equifax trades and securitizes my information and claims to have a humane mission statement for caring for community and culture. However, will not do what their goals and mission states they are in existence for. 
Chief Executive Financial Officer XXXX XXXX seems singularly concerned with Equifax financial goals and to keep consumers information to profit from. World wide in the markets, and with millions profited YET ; never clears the reports of inaccurate information that is not verified. Without the consumer there would not be such wealth and profit in the markets by Equifax. We are being used to generate profit as human transmitting utilities. 

The vastly inaccurate information on my credit report has been a war waged monthly with Equifax since XX/XX/XXXX ; and is verified with documentation, CFPB Complaints, certified mail receipts, and pain and mental suffering. 

I AM NOT ASKING FOR A XXXX ADDRESS VERIFICATION. I AS A CONSUMER HAVE SUFFERRED WITH NON VERIFIED AND STALLED TACTICS, INFORMATION/INVESTIGATIONS THAT DID NOT PROVE ANYTHING EXCEPT THAT EQUIFAX WAS NOT ADHERING TO FCRA GUIDELNES .... THE ACCOUNTS HAVE NEVER MATCHED- OPENING AND CLOSING DATES INCORRECT, LAST TIME USED DATES WRONG, HIGHEST BALANCE AMOUNTS, AND ABSURD DEROGATORY COMMENTS ARE ALL INCONSISTENT AND WRONG. 

This notice is official documentation showing the inability of Equifax to report accurate and updated information on my credit report. This willful non compliance of Equifax to deny fair and accurate reporting violates my rights as a consumer. Furthermore, the improper and derogatory reporting from Equifax has caused thousands of dollars in loss of credit ; and my mortgage denial.

Equifax continues to violate : 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I prove Equifax willfully violated the act I am entitled to at least XXXX $ per violation plus any other damages I have sustained as a result of failure to follow the law. If I have to file more than XXXX complaint, willful noncompliance can easily be proven as Equifax had a full understanding of the violations after I complained the XXXX time. 

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Equifax needs my written consent to add anything to my consumer report if I did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backs the code is even stricter as it states that any agency can only get a consumers report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. No adverse item besides the conviction of crimes should be on my report any item that is a derogatory mark is not allowed into consumer reports this is another violation SEE ALL THE FLAWED AND INACCURATE ACCOUNTS REPORTING ATTACHED THAT XXXX HAS NOT HELPED WITH OR DELETED MULTIPLE MONTHS IN A ROW. 

ATTACHMENTS POWER OF ATTRONEY XXXX ( XXXX KB ) Complete credit report XXXX XXXX ( XXXX MB ) FEE SCHEDULE PAGE XXXX ( XXXX KB ) POWER OF ATTORNEY PAGE XXXX ( XXXX KB ) FEE SCHEDULE PAGE XXXX ( XXXX KB ) View full complaint

Company response to consumer: Closed with non-monetary relief