Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: GA
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:
Notice to agent is notice to principal notice to principal is notice to agent Pursuant to 15usc1681 ( a ) ( XXXX ) - congress made it clear you assumed this role not legally or lawfully given the rights to be a reporting agency. I never gave you right to do share or report any thing to any persons individuals or XXXX about me. Pursuant to 15usc1681 ( a ) ( XXXX ) your then now purposely violating my rights to privacy ... you share an sell my information your basically controlling my life with made up credit scores.. your were unfair you were you were impartial and you did not respect my right to privacy ... Pursuant to 15usc1681b ( a ) ( XXXX ) - I never instructed you to furnish this report, create this report and I never signed up for this report in the first place.. you Pursuant to 15usc1681 ( a ) ( XXXX ) you have a GRAVE responsibility to make sure my consumer report is fair accurate impartial. You have not been fair it's seems to me that whatever the furnishers send you you don't investigate which is what your suppose to do anyways your making money off of the information it is not in your best interest to be fair. I DEMAND you remove this illegal non permissible purposes late payments from consumer report. For you didn't have permission to even make a consumer report in the first place I never gave you any written consent to or how to report anything pursuant to 15usc1681b ( a ) ( XXXX ). To first state pursuant to 15usc1681e ( b ) - you are to make sure you follow reasonable procedures to assure maximum accuracy how ever you have not done so. You have made my credit score go down substantially from clearly plain to see inaccurate information. If you have would have done you grave duty to assure maximum accuracy you would have notice this but you only see $ signs you alleged that I have alleged delinquent/late payments furnishered from ally financial to first state I have satisfied the alleged debt with ally XXXX you alleged that I am delinquent {$900.00} since XXXX XXXX however if you look at the payment history it says other wise. it's doesn't make sense if I was on time XX/XX/2022 XXXX 2022 how is delinquent {$900.00} dollars? XXXX it also not making any sense also if my alleged payments is {$450.00} monthly an the payment history clearly shows It was payed on time how can it be a pass due amount of {$900.00}?? your clearly not doing your gravely duty. You have cause me injury I will be sending invoice for money compensation Pursuant to 15usc1681 ( a ) ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. You have clearly undermined my confidence in this system you have definitely played your part in impairing the efficiency of the banking systems. Your the problem in this bad economy. 
I the Consumer also DID NOT RECEIVE ANY Disclosures required pursuant to15usc1681d ( a ) ( XXXX ) you didn't make sure that ally sent me disclosures required ( 15usc1681d ( a ) ( XXXX ) ) you didn't care to even check THIS IS NOT AN ATTEMPT TO DISPUTE ANYTHING THIS IS A DEMAND. 
YOURE SUPPOSE TO BE FAIR ACCURATE IMPARTIAL AND RESPECT MY RIGHTS TO PRIVACY.. THE AMOUNT I ALLEGEDLY OWE SOMEONE IS MY PRIVATE BUSINESS AND PRIVATE INFORMATION.. DO I KNOW WHO YOU OWE? ALSO IF I AM ALLEGEDLY LATE OR NOT IS MY PRIVATE INFORMATION I THE CONSUMER DEMAND YOU SHOW GOOD FAITH AN DO YOUR GRAVE RESPONSIBILITY AND PURSUANT TO 15usc1681 ( a ) ( XXXX ) RESPECT MY RIGHT TO PRIVACY AND REMOVE ANY LATE PAYMENT REPORTING ITS NO ONES BUSINESS. I have attached exhibits an copy of the laws I DIDNT SAY REMOVE ACCOUNT I SAID REMOVE LATE PAYMENTS Last but not least Pursuant to Equifax XXXX sharing policy you said you keep a record of the consent I gave to ally or whom ever to furnish late payments or any information. Pursuant to your policy I request to see this record alleged record. I have attached exhibit of what's in your policy No recourse XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX

Company response to consumer: Closed with explanation