Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: TX
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:
I am, a Federally Protected Consumer in fact a Natural Person, Original Creditor, Lender, Executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX. The Fair Credit Reporting Act ( FCRA ) is intended to secure and protect my rights as a consumer. As well as to prevent and address unfair credit reporting practices by credit reporting agencies. The FCRA is intended to ensure consumer reporting agencies exercise their grave responsibility to fairness, accuracy, impartiality, and a respect for my rights as a consumer to privacy.

I have attempted to resolve these matters with Equifax but to date Equifax has failed to respond or act on my notices advising them that they are reporting false, incorrect, incomplete, unverified data on my Consumer Report. 

On XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021 I sent notices to Equifax advising them that they have violated my Federally Protected Consumer Rights by publishing information regarding my reputation without physically verifying the data as well as knowingly publishing false data after being advised of the dispute. I would also like to make it known that Equifax has also published Non-Public information without my consent or Permissible Purpose to do so.

Below you will find a list of erroneous, false, incomplete, and unverified information Equifax is publishing on my consumer report. This information is directly hurting my reputation as well as my quality of life. This information is in direct violation of the following FCRA ( 15 USC 1681 ) Federally Protected Consumer Rights : Information/Accounts in Violation : Information/Accounts in Violation : 1. The following
personal information is incorrect and a violation 15 USC 1681 ( b ) & 15 USC 1681e ( b ) Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Remedy : Remove this information from my Consumer Report immediately. This is a violation of my Federally Protected Consumer Rights.

2. The following personal information is incorrect and a violation 15 USC 1681 ( b ) & 15 USC 1681e ( b ) Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, TX XXXX Remedy : Remove this information from my Consumer Report immediately. This is a violation of my Federally Protected Consumer Rights.

3. The Fair Credit Reporting Act ( FCRA ) is intended to secure and protect my rights as a consumer. The FCRA is intended to ensure consumer reporting agencies exercise their grave responsibility to fairness, impartiality, and a respect for my rights as a consumer to privacy. This information violates my Federally Protected Consumer Rights as outlined in 15 USC 1681 FCRA ( Fair Credit Reporting Act ) : 15 U.S Code 1681 ( a ) ( 4 ), 15 U.S Code 1681 ( b ), 15 U.S Code 1681b ( a ) ( 2 ), 15 USC 1681e ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( 2 ) ( A ) ( ii ), 15 USC 1681a ( 2 ) ( A ) ( iii ), 15 USC 1681a ( e ) XXXX  Account Number : XXXX Remedy : Remove this information from my Consumer Report immediately. This is a violation of my Federally Protected Consumer Rights.

4. The Fair Credit Reporting Act ( FCRA ) is intended to secure and protect my rights as a consumer. The FCRA is intended to ensure consumer reporting agencies exercise their grave responsibility to fairness, impartiality, and a respect for my rights as a consumer to privacy. This information violates my Federally Protected Consumer Rights as outlined in 15 USC 1681 FCRA ( Fair Credit Reporting Act ) : 15 U.S Code 1681 ( a ) ( 4 ), 15 U.S Code 1681 ( b ), 15 U.S Code 1681b ( a ) ( 2 ), 15 USC 1681e ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( 2 ) ( A ) ( ii ), 15 USC 1681a ( 2 ) ( A ) ( iii ), 15 USC 1681a ( e ) XXXX XXXX Account Number : XXXX Remedy : Remove this information from my Consumer Report immediately. This is a violation of my Federally Protected Consumer Rights.

5. The Fair Credit Reporting Act ( FCRA ) is intended to secure and protect my rights as a consumer. The FCRA is intended to ensure consumer reporting agencies exercise their grave responsibility to fairness, impartiality, and a respect for my rights as a consumer to privacy. This information violates my Federally Protected Consumer Rights as outlined in 15 USC 1681 FCRA ( Fair Credit Reporting Act ) : 15 U.S Code 1681 ( a ) ( 4 ), 15 U.S Code 1681 ( b ), 15 U.S Code 1681b ( a ) ( 2 ), 15 USC 1681e ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( 2 ) ( A ) ( ii ), 15 USC 1681a ( 2 ) ( A ) ( iii ), 15 USC 1681a ( e ) XXXX XXXX XXXX Account Number : XXXX Remedy : Remove this information from my Consumer Report immediately. This is a violation of my Federally Protected Consumer Rights. 

Theses remedies will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted statement of truth being serviced to you today and therefore standing as truth in commerce. I would also like to be compensated for the many violations/ injuries to my Consumer Report as well as my reputation.

Company response to consumer: Closed with explanation