Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, 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, XXXX XXXX XXXX XXXX On or around XX/XX/2021 became aware that XXXX, Equifax and XXXX  had taken an unjust advantage by reporting inaccurate information which directly diminishes the value of my report. I overstand that congress says " that the banking system is dependent upon credit '' and that accuracy is " measurement of value ''. Also, congress says " inaccurate credit reports directly ~impair~ the efficiency of the banking systems ''. pursuant to ( 15 USC 1681 ( a ) ( 1 ) ). Furthermore, I'm aware that the elaborate mechanisms ( XXXX, Equifax and XXXX  ) have " assumed '' a vital role in assembling and evaluating my credit and other information pursuant to ( 15 USC 1681 ( a ) ( 3 ) ). On or around XX/XX/2021 XXXX, Equifax and XXXX  took individual action to violate my " right to privacy '' by reporting chapter XXXX bankruptcy and the following accounts in my " Identity theft report '', which is a direct violation of ( 15 USC 1681. ( a ) ( 4 ) ) thats included in my attachments. XXXX, Equifax and XXXX  have also violated my rights by reporting information solely as to transactions or experiences between I ( the consumer ) and the ( person ) making the report Pursuant to ( 15 USC 1681a ( 2 ) ) - Exclusions. XXXX, Equifax and XXXX  never gave me the opportunity to direct that such information not be communicated, which is a violation of my rights pursuant to ( 15 USC 1681a ( 2 ) ( A ) ( iii ) ). Since the following transactions arise from my " credit card '' pursuant to ( section 1602 ), XXXX, Equifax and XXXX  have also been in violation of ( 15 USC 1681a ( 2 ) ( B ) ) which states " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' is to be Excluded from consumer report. However, XXXX, Equifax and XXXX  actions to investigate these transaction has failed pursuant ( 15 USC 1681a ( e ) ) which states- " The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information '', which XXXX  has no proof of such doings. Also, pursuant to ( 15 USC 1681a ( e ) ) which states- " such information SHALL NOT include specific FACTUAL information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ''. To conclude, XXXX, Equifax or XXXX  is not to Decline or Rescind my request for block of information without a senior representative certification under the penalty of perjury that I XXXX XXXX XXXX XXXX has in fact received goods and services as a result of these particular transactions.

Company response to consumer: Closed with explanation