Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: FL
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 writing for the 3rd time to bring to the attention of the CFPB a matter of great concern, one that violates upon both my rights as a consumer and the unique challenges I've faced as a XXXX XXXX XXXX  in America. And each time Equifax responds to my concern and dispute with the same old stall tactic response they send in the mail. 

One of our most important responsibilities is protecting your personal information. Before we are able to assist you with your Equifax credit file we have to verify your identity and address. So that we can process your request and verify your identity, please send us a letter with your request and include your full name, any former names you used recently, current address ( and former address if at current address for less than two years ), and date of birth. You should include documentation to verify your identity and address ( for example : drivers license and pay stub or utility bill ). You may send this information to address listed below. We have also mailed you a letter describing the documentation needed to verify your identity. Please return this letter along with the requested information to Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX If you have any additional questions, you may call XXXX XXXX XXXX XXXX or you may visit equifax.comXXXX. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on XXXX 

This absolutely an outrage especially when the CFPB closes out my dispute with such a response from the company Equifax. Please delete the account listed below that has clearly infringed upon my federally protected consumer rights under 15 USC 1681 : The account in question is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act ( FCRA ) upholds my right to privacy, as articulated in 15 U.S.C 1681, section 602 A. I firmly believe that this privacy is not only a legal entitlement but also paramount for my personal well-being, considering the unique challenges I encounter as a XXXX XXXX 

Furthermore, 15 U.S.C 1681, Section 604 A, Section 2, underscores the critical stipulation that a consumer reporting agency can not provide an account without my written consent. This requirement is of particular significance to me, as it ensures my authority over my financial information, which is essential for securing a brighter future for my children.

Additionally, 15 U.S.C 1681c ( a ) ( 5 ) imposes limitations on consumer reporting agencies, preventing the inclusion of specific adverse information in my consumer report beyond a defined time frame. Inaccurate or outdated information can be notably detrimental to someone in my circumstances, as it significantly impacts my ability to establish a stable living environment for my family. 

Lastly, in accordance with 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is imperative that the data furnished to consumer reporting agencies must be accurate. Inaccuracies in my credit report not only undermine my financial standing but also generate additional obstacles for me as a XXXX XXXX  striving to provide the best for my children.

I want to emphasize that these errors and inaccuracies have added to the already significant challenges I face as a XXXX XXXX XXXX XXXX  in a nation still grappling with racial equality issues. The hurdles I've encountered in securing appropriate living arrangements for my family have been further complicated by these inaccuracies.I respectfully ask that you thoroughly examine these accounts, acknowledging not only the legal infractions but also the personal hardships these inaccuracies have imposed on my life. Your assistance in resolving these matters is not only meaningful to me but also to numerous others who may be confronting similar obstacles.

Company response to consumer: Closed with explanation