Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 XXXX XXXX XXXX, the federally protected consumer, has placed numerous complaints through the CFPB ( 15 u.s.Code 6805 and 16 CFR 131.1 ) and certified mail for the entire year of XXXX about Equifax Information Solutions, LLC 's willful non compliance of the Fair Credit Reporting Act and Privacy Act of 1974 by the sharing of inaccurate, non public, personal information on my consumer report. ( FCRA Sec 603 ( d ) ( 1 ) ) without my expressed written consent. ( FCRA Sec 604 ( a ) ( 2 ) ). 
The Fair Credit Reporting Act states that it is illegal to have a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report ( FCRA Sec 603 ( d ) ( 2 ) ( a ) ( i ) ). I have repeatedly stated the reasonable procedures that congress has set forth 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. The consumer reporting agency, Equifax Information Solutions, LLC, has had no regards to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the Fair Credit Reporting Act. Equifax Information Solutions, LLC has never provided their method and/or proof of verification, that gives them the authority to report inaccurate, non-public, personal information on my consumer report. Which is documented via the CFPB portal with their responses that has not addressed the issue of their willful non-compliance of the Fair Credit Reporting Act and Privacy Act of 1974 by the sharing of inaccurate, non-public, personal information on my consumer report. 
According to the compliance procedures of the Fair Credit Reporting Act every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. Which Equifax Information Solutions, LLC, has not done. Equifax Information Solutions, LLC has had many 30 days to do what is fair and equitable to the consumer. 
Under the Fair Credit Reporting Act the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( a ) credit or insurance to be used primarily for personal, family, or household purposes ; ( b ) employment purposes ; ( c ) any other purpose authorized under section 604 [ 1681b ]. 
My dispute has been about Equifax Information Solutions, LLC willful non compliance of the Fair Credit Reporting Act and Privacy Act of 1974 by the sharing of inaccurate, non-public, personal information on my consumer report without my expressed written consent. It has never been about ownership. 
The sharing of inaccurate, non public, personal information on my consumer report by Equifax Information Solutions , LLC, isn't consist with the other two reporting agencies as well. 
I have attached the following : Passport Card, CAF Notice, Power Of Attorney, Fee Schedule, Opt Out Confirmation ( s ) which dates back to XXXX.

Company response to consumer: In progress