Consumer complaint received 2021-07-17
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:
The consumer reporting agencies are breaking federal laws that were put in place by congress to protect consumers such as myself by reporting inaccurate and incomplete credit information on my consumer report that needs to be evaluated and corrected immediately by the consumer reporting agency.

According to the Fair Credit Reporting Act, 15 USC 1681- Congressional findings and statement of purpose, Congress starts with sub-section ( a ) Accuracy and Fairness of Credit Reporting, accuracy meaning all values are deem correct and fairness meaning no one person is taking unjust advantage of another. My consumer report in fact has inaccurate information being reported because you, as the consumer reporting agency allowed the following debt collectors listed below to furnish certain deceptive forms stating they're the original creditor of the accounts listed below on my consumer report when in fact I'm the original creditor breaking federal law 15 USC 1692J- Furnishing Certain Deceptive Forms under the FDCPA. Both you, the consumer reporting agency and the debt collectors took unjust advantage of me, the consumer and original creditor. The debt collectors also violated federal law by harming my reputation and credit worthiness under the FDCPA 15 USC 1692d ( 1 ) - Harassment or Abuse by reporting inaccuracies to my consumer report. My consumer report is in fact my reputation under the FCRA 15 USC 1681a ( d ) ( 1 ) and you as the consumer are equally responsible for the harming of my reputation and credit worthiness by allowing such inaccuracies to be reported to my consumer report under the FCRA 15 USC 1681 ( a ) ( 2 ), meaning you also took unjust advantage of me as the consumer and original creditor. The debt collectors listed below also broke federal laws under the FDCPA 15 USC 1692 ( a ) - Abusive Practices by infringing upon my rights to privacy as a consumer. I as the consumer in fact deem all personal information attached to the accounts listed below as private and needs to be removed immediately. Under the FCRA 15 USC 1681 ( a ) ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Under the FRCA 15 USC 1681a ( d ) ( 2 ) -Exclusions section states a consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Also it doesn't include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

I, the original creditor and consumer has listed numerous Federal Laws stated above that were violated by both you, the consumer reporting agency under the FCRA and the corporations listed below under the FDCPA. The following accounts listed below have a negative affect on my consumer report harming my credit worthiness, general reputation, credit standing, credit capacity, and character due to the violation of such laws. I demand each of the following accounts be deleted from my consumer report immediately
: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation