Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: GA
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:
As a consumer I have the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ).

I am aware a consumer must be given a chance to direct whether they want the information about a transaction had to be reported or not, this is referenced in the GLBA and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ).

Transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This is my social security card. This credit card was authorized by my social security card and therefore must be excluded from my consumer report. This reported information on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX is a violation of 15 U.S. Code 1681a ( 2 ) ( B ).

If there is an account which comes back verified pursuant to 15 U.S.Code 1681a ( e ) there must be an investigative report with the source of the report coming from interviews of family and friends and the results can not contain factual information. I, the consumer, allege no such verification based on an investigative report exists. Please submit a certified copy of the existence of this report with a statement under penalty of perjury that this report was not altered or manufactured in any way. 

As a consumer I am aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud using my identifying information and does not have any lawful authority to furnish this information on my consumer report and this is a violation of 15 U.S.Code 1681b ( a ) ( 2 ).

Consumer reporting agencies on a nationwide basis must maintain a joint notification system. I have reason to believe and do so believe, this is to be held to maintain 100 % accuracy amongst consumer reporting agencies. This information on my consumer report does not match other consumer reporting agencies which means your company has a failure in reasonable procedures to keep a jointly notification system and a violation of 15 U.S.Code 1681b ( e ) ( 6 ).

A consumer reporting agency must maintain reasonable procedures to assure maximum possible accuracy of furnished information on my, the affiants consumer report.

According to 15 U.S. Code 1681g, I the consumer, have the right to request a full file disclosure about the information within my consumer file which includes the sources of the information was used to verify the information before it was procured onto the consumer report. This includes the dates, original payees, and amounts of any checks, identification of each person ( including the end-users identified under section 1681e ( e ) ( 1 ) of title 15 ) that procured my consumer report, including their address and telephone number of the persons, a record of all inquiries received by the agency during the 1-year period preceding my request in connection with the credit or insurance transactions not initiated by me, the consumer.

In accordance with 15 USC 1681i ( 7 ) I, the consumer has the right to know the description of the method used to verify the information furnished on my consumer report.

Each requirement of the FCRA which Equifax fails to comply with holds the company liable for {$1000.00} each per action and pursuant to 15 U.S.Code 1681l when an investigative report is prepared no adverse information in a consumer report may be included in a subsequent consumer report unless the reported was verified. Each month this false information was incorrectly verified and holds Equifax liable for each account.

Negligence is neglecting requirements that should be known. Due to Equifax business practices which you are aware of as well as the laws you should be aware of, and laws I, the consumer made you aware of prior to the continued failure of reasonable procedures I the consumer has reason to believe, and do so believe, Equifax actions are liable under 15 U.S. Code 1681o for the actual damages caused to me, the consumer in fact.

Any person, which includes an organization such as Equifax who willfully and knowingly obtains information on a consumer, like I, from another consumer reporting agency, without the written instructions or authorization pursuant to 1681b is information obtained under false pretenses. You have no lawful authority, and this is a crime under Title 18.

I the consumer, have put in a dispute Equifax I have made clear this information has not been verified and can not be accurate information relating to me as shown in my exhibits. Equifax has violated 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and proceeded to furnish my information without any verification or lawful authority.

This information has been disputed. After this procedure upon discovery, in my exhibits, the consumer report is still showing the information inaccurately. This is a direct violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ).

Equifax is a financial institution as defined under 15 USC 6827 ( 4 ) ( B ).

According to 15 USC 6801 I, consumer, has the right to privacy and the right to know where and how to direct the disclosure of my nonpublic information. 

These accounts have adversely affected my work opportunities which I have proof of. As a XXXX XXXX XXXX  veteran, the stress and defamation of my character through errors on my consumer credit file and negligence on behalf of Equifax knowingly and willingly reporting these errors have caused my migraines to intensify. 

I am requesting removal of XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX account number XXXX be removed immediately and all remarks. 

If my requests are not satisfied, I will be forced to take legal action in federal court for actual damages. This is my second attempt to have these erroneous accounts removed. You have 15 days to comply according to 15 usc 1681.

Send proof of deletion via usps of updated credit file.

Thank you.

Company response to consumer: Closed with non-monetary relief