Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX To Whom It May Concern, Today I write to get you to understand the Laws You Have Broken. This is done on a daily basis as i've been a victim of this for years. I know what i am entitled to as a consumer, but I am still dealing with your Federal Violations. You thinking you can interpret the law as you want everyday is defaming my character. You not caring for the law and thinking your policies and procedures are all that matter is XXXX, and crucial to my life as i am not able to provide for my family. This also gives the banks that depend on accurate information a bad view on my report to further extend credit.Your job requires you to know the laws to address consumers reports as they should be addressed. 


After taking a look at my consumer report I noticed the inaccuracies on my report. Upon me doing legal research I came across 15 usc 1681 ( a ) ( 1 ) which states that the Banking system is Dependent upon my consumer report being fair and accurate. 
The inaccuracies on my report are 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. 
This grave error has diminished my confidence in your company 's procedures, and as a result of this I will no longer be extending credit, and if this information is not removed I no longer want my information reported in your company 's database. 

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


Pursuant to 1681 ( a ) ( 4 ) You did not insure that the 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 these transactions even took place. As a result of this my privacy was breached, and this violated my right to privacy Pursuant to 15 usc 1681a ( d ) ( 2 ) ( a ) ( i ) Congress makes it clear that consumer report should NOT include transactions between the consumer and the person making the report.These alleged transactions that you are reporting, and failed to investigate, whether or not it factually took place, can be categorized as transactions that took place between the consumer, and the person making the report. Which means it should not be included in my consumer report, in fact is a violation of my consumer rights. 

Pursuant to 15 usc 1681a ( 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 1681 a ( b ) Any authorization of a specific extension of credit card or similar device should be excluded from my consumer report. These alleged transactions that your company clearly did not investigate is categorized as transactions that were issued from a credit card. Credit card as defined under 15 usc 1602l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 






Respectfully Submitted, XXXX, XXXX [ Agent/Beneficiary ] Without Prejudice. All Natural Alienable Rights Reserved cc : XXXX XXXX

Company response to consumer: Closed with explanation