Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Consumer complaint narrative In my response to my CFPB complaint previously lodged as Complaint Number XXXX dated XXXX XXXX, the disputed company is using more misdirection tactics and offensively saying they apologize for any difficulty I may have experienced as a result of their fraudulent activities and violation of my consumer rights. I am providing further evidence of the escalating injury being caused to my persons reputation and emotional well-being due to XXXX  continuing fraudulent activity. As of this second complaint I am lodging on XXXX XXXX against XXXX, their fraudulent activity and multiple violations of my consumer rights is still occurring. In the interim of an already abusive response received by XXXX on XXXX XXXX, via my CFPB complaint that I will be attaching for ease of reference, I received three separate harassing and equally unwanted communications from XXXX via email on XXXX XXXX at XXXX XXXX, XXXX, XXXX suggesting, to my disbelief, I provide feedback to make sure they are providing the highest level of customer service support ; this is gaslighting, attaching emails for ease of reference. I am suffering from post traumatic symptoms and psychological harm and there is increasing escalation of hardship because of this extended situation with XXXX not complying. I am not able to improve my current quality of life and launch my new XXXX business because I can not get approved for any funding. I am also highly stressed out and experiencing severe relationship-ending issues as a result of how long I am feeling violated by XXXX and the agents who are trained by XXXX who bulldoze the consumer with their fraudulent internal policies instead of following the law as mandated by Congress. Also, no one can explain to me why I said the same to XXXX  and XXXX  and they complied immediately to remove the inaccurate account on my credit file. This means XXXX is breaking the law and to not comply is fraudulent. This is all extremely disturbing and damaging to my mental health. I am attaching supporting evidence of hardship from XXXX XXXX on XXXX XXXX, XXXX XXXX on XXXX XXXX, XXXX XXXX on XXXX XXXX showing I am ineligible for personal loans due to the alleged account that is reporting negatively and as previously filed in detail under CFPB Complaint Number XXXX. Additionally, I am attaching supporting evidence from XXXX XXXX showing I am ineligible to raise my credit limit on an existing credit card in good standing since XXXX  with all on-time payments. I am also attaching personal credit card application showing I am ineligible from XXXX XXXX on XXXX XXXX. It is obvious I am being treated unlawfully by XXXX. The actions of XXXX are causing injury to my personal reputation and I can not get approved for credit. Above all, I am a consumer and I have a right to my privacy under law and as stated in 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reportingThe 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 consumer 's right to privacy.

Company response to consumer: Closed with explanation