Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed complaint number XXXX on XX/XX/2022 thru the CFPB against EQUIFAX the complaint included FRAUDULENT activity on my credit report with police report included and on BOTH accounts, EQUIFAX, came back saying accounts are verified & accurate & closed my complaint! 

I would like to remind YOU, EQUIFAX, YOU ARE BREAKING THE LAW! 

Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon MY consumer report being fair and accurate. After taking a look at my consumer report I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified when during your companies initial investigation that you were going to report this information.

Pursuant ro 15 usc 1681 ( a ) ( 1 ) - This grave error has undermined my confidence in your companies procedures and as a result of this, I will no longer be extended credit, and if this information is not removed I no longer want my information in your companies database.

Pursuant to usc 1681 ( a ) ( 2 ) - Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation and it has adversely affected my credit worthiness.

Pursuant to 15 usc 1681 ( a ) ( 3 ) - Your company assumed this role. You were not given express permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights.

Pursuant to 15 usc 1681 ( a ) ( 4 ) - You did NOT ensure that this information is accurate, and you did NOT exercise your grave responsibility with fairness and impartiality. You took ONE side of the story, and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and this violated my right to privacy.

Pursuant to 15 usc 1681 a ( d ) ( 2 ) ( A ) ( i ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting, AND failed to investigate properly, whether or not it factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should NOT be included in my consumer report, and in fact is a violation of my consumer rights.

Pursuant to 15 usc 1681 a ( d ) ( 2 ) ( A ) ( iii ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

Pursuant to 15 usc 1681a ( B ) - I am including a copy of my ID for proof of my identity & proof of residence These accounts need to be removed from my credit file IMMEDIATELY : XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX this is on twice

Company response to consumer: Closed with explanation