Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: GA
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:
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened Is Inaccurate and a violation against me the consumer and I can see and verify this to be true across the board for Equifax, XXXX, and XXXX XXXX I want this account to be removed and I want a letter to verify that you have done so. 

Equifax furnished my credit report with a collection account that is not my account. 
This company violated my rights, and broke these laws pursuant to- The Equal Credit Opportunity Act *Chapter 15 United States Code 1681 Congressional Findings- ( Accuracy and fairness of Credit Reporting ) The Consumer Financial Protection Bureau 15 U.S. Code 1681b - Permissible purposes of consumer reports- ( A ) ( 2 ) States that I the consumer must give Equifax permission through written instruction on when and what to furnish my credit report with. This is permission that I never provided Equifax with.

I ( have not ) given this Agency/ Credit Bureau permission in the past nor will I in the coming future, consent to furnish anything on to my consumer credit report. Which violates my rights as a consumer and I have already expressed to Equifax in good faith that Equifax furnishing my consumer credit report without my consent is a violation of my rights as a consumer. 

I did not give Equifax any lawful permission via wet ink handwritten instructions to furnish this derogatory account on my credit report. 
Equifax willfully and knowingly dishonored my previous dispute. 

Equifax advertised themselves to me the consumer as a debt collector on the account listed above that is reporting as a collection account on my credit report that I have already asked them to remove and delete.. 

15 U.S. Code 1611- Criminal liability for willful and knowing violation. 
Equifax knowingly and willingly promotes and advertises their company as a debt collecting agency in regards to this account that I don't recognize nor do I claim is mine. 

Equifax is NOT a debt collecting agency nor do you have any lawful right to purchase any accounts that your organization has made an alleged assumption that any of them might possibly belong to me. This is an unauthorized use of my consumer credit report, which is a crime knowingly and willingly. 

( Fair Credit Reporting Act ) where it said by law, I had rights to challenge anything I am not sure is accurate. 

The purpose of Equifax 's entire existence as a company is to collect, store, and share information about people 's credit history. This information is used by lenders to make decisions about whether to extend credit, such as a loan or a credit card, and what terms to offer. Credit bureaus also provide consumers with access to their credit reports so that they can track their credit history and identify any errors. 

According to Harassing or Abusive Practices 15 U.S.C. 1692d A debt collector in collecting a debt, may not harass, oppress, or abuse any person. For example, a debt collector may not : Use or threaten to use violence or other criminal means to harm the physical person, reputation, or property of any person. 

Because of the constant reminder of this collection account existing on my credit that I do not recognize, I have suffered damages to my financial reputation as a consumer. I have been denied lines of credit, and I have been denied a Fair and equal opportunity ( Act ) to extend and utilize my own credit. 

Thank You.

Company response to consumer: Closed with non-monetary relief