Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax has caused me severe injury, damages, defamation of my character and ruined my credit reputation. All of this has made my credit report inequitable. I am not receiving any benefit from their assuming this vital role in my life of proving my credit worthiness. They have infringed on my right to privacy repeatedly, furnished inaccurate and unfair data to my consumer report, and have violated many of my consumer rights. Ive mailed in a letter to Equifax and never got any correspondence back after verifying my identity. I have disputed late payments furnished 3 times, and have not received correspondence via mail back at all. I have had to view the dispute and remarks online and over the phone. Ive called them also to have the late payments removed from my report several times as they have violated many of my consumer rights. Ive stated the laws 15 USC 1666b- Timing of payments as no creditor may treat a payment as late for any purposes. There was a finance charge involved which was the sum of all payments that was covered when credit was extended to me and the account was paid in full the moment my credit card was accepted upon application being approved, so there should be no late payments as all bills are prepaid and all obligations are that of the United States according to 18 USC 8. Therefore, Equifax is reporting inaccurate information despite me making them aware of this they have continued to report this information making my consumer report inequitable and are participating with only helping XXXX XXXX XXXX extort me on collection of extensions of credit by extortionate means which a violation of 18 USC 894 ( a ).

Equifax is in breach of their own data sharing policy the policy states Consent In general, Equifax shares personal credit data with organisations that have the data subject 's consent to request, receive and use it for the particular purpose ( s ) for which it will be used. An organisation may obtain a data subject 's consent in a variety of ways, but we encourage them to use a method that is clear and which can be recorded. When Equifax shares data with an organisation based on the data subject 's consent, we require the organisation to keep a record of the consent and to provide a copy of it to us upon request. We may request confirmation of consent from an organisation as part of a routine audit or in response to a specific inquiry or concern raised by a data subject. After I told them I was concerned about this I asked for a copy of the consent they use from XXXX XXXX XXXX XXXX to have consent to furnish this information and if they dont have it then delete the late payments from my report, and I was told they dont have that information and are not able to send it to me. Also in their privacy policy they breached their own privacy by violating 15 USC 6821 ( 3 ), they never clearly and conspicuously disclosed that I was automatically opted in or explained to me how and my right to opt out.

Equifax has conducted 3 investigations, but have not exercised their grave responsibilities with fairness, impartiality, and with respect to the consumers right to privacy. This is a violation of 15 USC1681 ( a ) ( 4 ) They didnt do a proper investigation as they didnt go to any neighbors or witnesses, they werent fair or impartial as they only went to the organization for validity of this alleged debt, and they have completely violated my right to privacy by sharing my private information and transactions to the public which should be excluded from my consumer report according to 15 USC 1681 ( a ) ( 2 ) ( i ). I need all late payments removed and marked as agreed as paid.

Company response to consumer: Closed with explanation