Consumer complaint received 2021-01-27
Company: EQUIFAX, INC.
State: AZ
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:
Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. The following accounts I demand to have removed XXXX XXXX XXXX 2XXXX, XXXX XXXX XXXX XXXX, U.S. Bankruptcy Court XXXX. The following bankruptcy has already been deleted and deemed as unverified with XXXX  they were not able to verify the bankruptcy per law so how are you? with the original furnisher? not through third party sold information that's against the law ( chapter 15 usc 1692, 1608 ) you are required to follow this law and provide written consent. 
the following inquires are inaccurate also XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX and need be deleted. 
Under code 15 U.S. code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates I XXXX XXXX XXXX have never gave EQUIFAX any written consent to report anything on my consumer report, No consent is identity Theft. I will provide a copy of the LAW. 
The following addresses are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Az XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX I was also mistreated by two of your representatives over the phone, on my report myequifax.com it shows as of XX/XX/XXXX I have 0 accounts 0 credit lines and a XXXX score showing no data on my profile. I then signed up for their services for XXXX to get an updated report I was charged and then wasn't able to see anything still on my report I called to figure out why I spoke with XXXX employee id XXXX saying my services were canceled by she couldn't see why which makes no sense why would I cancel the same day I started the services also they were not able to refund my lying saying I canceled my services but she wasn't able to tell if I canceled it online or over the phone the reason she wasn't able to verify it it because I DIDN'T CANCEL IT. I demand to be refunded for the XXXX proof will be provided of the payment. I also spoke with XXXX employee id XXXX and these representatives arent their to help she was rude did not help verify these inaccurate and erroneous data on my report. YOUR companies failure to comply with these laws has cause my major distress on me as a consumer and has ruined my reputation as a consumer and I demand to have these laws enforced and data deleted permanently. This abusive act has been an invasion of my individual privacy. If you do not respond or comply with these laws I fully intend to pursue all litigations possible in regards to this matter

Company response to consumer: Closed with explanation