Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am a consumer writing this without assistance from any person. Everything referenced is made available to the public at large. EQUIFAX INC. is criminally ( 15 U.S. Code 1611 ) and civilly liable ( 15 U.S. Code 1681n ) for violations found under the Fair Credit Reporting Act. 

EQUIFAX is violating my consumer rights. PLEASE SEE MY REASONS BELOW AND SEE SUPPORTING DOCUMENTS ATTCHED TO THIS COMPLAINT. 

The Fair Credit Reporting Act was written by The Congress because of the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of 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. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer. 

I HAVE NEVER GIVEN WRITTEN PERMISSION TO ANY CONSUMER REPORTING AGENCY TO REPORT ABOUT ANY OF MY PRIVATE DEALINGS OR INFORMATION. THE SHARING OF MY PERSONALINFORMATION WITHOUT CONSENT IS IDENTITY THEFT. I HAVE NOT GIVEN CONSENT TO ANY CONSUMER REPORTING AGENCY EVER. 

Pursuant to 15 U.S. Code 1681b ( a ) In general, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I AM THE CONSUMER, I AM DEMANDING THAT THIS COMPANY FOLLOWS MY WRITTEN INSTRUCTIONS IN THE LETTER I HAVE SENT THEM WHICH I HAVE ALSO ATTACHED PURSUANT TO 15 U.S. Code 1681b ( 2 ).

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block ( b ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer, I PROVIDED MY DRIVERS LICENSE, SOCIAL SECURITY CARD, AND BANK STATEMENT WHICH SHOWS PROOF OF ADDRESS. 

( 2 ) a copy of an identity theft report, THAT IS ATTACHED IN THIS LETTER FROM THE FTC ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction from the consumer STATEMENT BY CONSUMER : EVERY ACCOUNT AND INQUIRY REFERENCED ON THE FTC IDENTITY THEFT REPORT CONTAINS INFORMATION NOT RELATING TO ANY TRANSACTION MADE BY ME, A NATURAL PERSON/CONSUMER. I DID NOT BENEFIT FROM ANY ACCOUNT OR INQUIRY, IF I DID, PLEASE HAVE A SENIOR EXECUTIVE ATTEST TO THAT UNDER THE PENALTY OF PERJURY UNDER THE LAW VIA AFFIDAVIT. 

I DID NOT REQUEST THIS BLOCK IN ERROR. 

I DID NOT OBTAIN ANY GOODS, SERVICES, OR MONEY AS A RESULT OF THE BLOCKED TRANSACTIONS, Pursuant to 15 U.S. Code 1681a - Definitions, rules of construction ( 2 ) Exclusions. The term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; MY CONSUMER REPORT CAN NOT INCLUDE TRANSACTIONS OR EXPERIENCES BETWEEN MYSELFAND ANY PERSON, WITHOUT MY WRITTEN INSTRUCTION BLOCK AND REMOVE ACCOUNTS MENTIONED IN MY ETC IDENTITY THEFT REPORT. 

( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

ANY ACCOUNT DISPUTED THAT HAS BEEN PREVIOUSLY INVESTIGATED OR DISPUTED ON MY CONSUMER REPORT AS IT RELATES TO MY CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS, OR MODE OF LIVING WAS NOT OBTAINED THROUGH INTERVIEWS WITH MY NEIGHBORS, FRIENDS, OR ASSOCIATES OF MINE, THE CONSUMER. NO INFORMATION FROM A CREDITOR SHALL BE INCLUDED ON MY CONSUMER REPORT WHATSOEVER.

Company response to consumer: Closed with explanation