Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: GA
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:
To whom it may concern, I have numerous amount of things reporting to my credit that I personally did not allow. Most of these companies that reported took advantage of me because everything I ever did I definitely was told NOTHING would ever be reported to my credit and now my credit is loaded with bad things. I did my research and found out those companies were wrong by LAW and something needs to be done ASAP. I have contacted the companies and they are not trying to do anything about so I'm contacting you guys and I will attempt to go further if no outcome is made. BELOW ARE THE ATTACHED ACCOUNTS AND INQUIRIES. I WANT THEM REMOVED In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : Account name : XXXX XXXX XXXX XXXX  ( Closed Account ) # XXXX  XXXX, Account name : XXXX XXXX  ( Closed Account ) # XXXX  XXXX, Account name : XXXX XXXX XXXX ( Charged Off ) XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Closed ) # XXXX  XXXX, HARD INQUIRIES : Account name : XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Account name : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Account name : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX, GA XXXX SOFT INQUIRIES : ACCT : XX/XX/XXXXXXXX XXXX XXXX, XXXX Direct to Consumer Report ACCT : XX/XX/XXXX XXXX XXXX  XXXX Direct to Consumer Report ACCT : XX/XX/XXXX EQUIFAX CONSUMER SERVICES Direct to Consumer Report ACCT : XX/XX/XXXX EQUIFAX AUTO MTNC UP Automated Consumer Interview System ACCT : XX/XX/XXXX EQUIFAX - CUSTOMER ACCTS Automated Consumer Interview System ACCT : XX/XX/XXXX EQUIFAX - CUSTOMER ACCTS Automated Consumer Interview System ACCT : XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System ACCT : XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System ACCT : XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System ACCT : XX/XX/XXXX XXXX XXXX XXXX XXXX Prequalification for Installment ( not Mortgage, Auto, Home Equity ) ACCT : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Prequalification for Installment ( not Mortgage, Auto, Home Equity ) ACCT : XX/XX/XXXXXXXX XXXX XXXX, XXXX Credit Report ACCT : XX/XX/XXXX XXXX ID Report ACCT : XX/XX/XXXX XXXX XXXX XXXX XXXX Prequalification for Credit Card ACCT : XX/XX/XXXX XXXX Direct to Consumer Report ACCT : XX/XX/XXXX EQUIFAX AUTO XXXX UP Automated Consumer Interview System ACCT : XX/XX/XXXX EQUIFAX - CUSTOMER ACCTS Automated Consumer Interview System ACCT : XX/XX/XXXX XXXX XXXX  Credit Report ACCT : XX/XX/XXXX EQUIFAX - CUSTOMER ACCTS Automated Consumer Interview System ACCT : XX/XX/XXXX EQUIFAX INFORMATION XXXX Automated Consumer Interview System ACCT : XX/XX/XXXX EQUIFAX INFORMATION XXXX Automated Consumer Interview System ACCT : XX/XX/XXXX EQUIFAX INFORMATION XXXX Automated Consumer Interview System ACCT : XX/XX/XXXX EQUIFAX INFORMATION XXXX Automated Consumer Interview System ACCT : XX/XX/XXXX XXXX XXXX XXXX Credit Report ACCT : XX/XX/XXXX XXXX XXXX XXXX Credit Report ACCT : XX/XX/XXXX XXXX XXXX Credit Report ACCT : XX/XX/XXXX XXXX XXXX XXXX Credit Report ACCT : XX/XX/XXXX XXXX XXXX XXXX Credit Report ACCT : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Credit Report ACCT XXXX XX/XX/XXXX XXXX XXXX Direct to Consumer Report ALL ACCOUNTS AND INQUIRIES HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation