Consumer complaint received 2021-10-22
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:
Per Congress there is abundant evidence of the use of abusive, deceptive and unfair debt collection practices. These illegal practices have led to an invasion of my privacy per 15USC1692 ( a ). 15USC1601 states its purpose is to protect me, the consumer, against inaccurate and unfair credit billing and credit card practices. Congress also states credit reporting agency Equifax have assumed its role per 15USC1681 ( a ) ( 3 ). Equifax MUST report what I instruct Equifax to report. Consumer reporting agency ( Equifax ) grave responsibility is to respect my consumers right to privacy per 15USC1681 ( a ) ( 4 ). Equifax is in direct violation of my federally protected consumer rights. The only person who can validate a debt is me, XXXX XXXX XXXX, the natural person, consumer and original creditor as defined in the TILA XXXX and applied in XXXXDPCA 15USC1602 ( g ). I, XXXX XXXX XXXX do not validate any of the alleged adverse debts being furnished on my consumer report via Equifax. 15USC1681b ( a ) ( 2 ) states any consumer reporting agency ( EQUIFAX ) may furnish a consumer report under the following circumstances and NO OTHER, in accordance with the written instructions of the consumer to whom it relates. Equifax is in violation of my federally protected right because I, XXXX XXXX XXXX never instructed Equifax in writing or verbally to furnish derogatory accounts on my consumer report. I placed a call to Equifax to demand an immediate and permanent deletion, and I have filed a complaint with the CFPB but as of today, XX/XX/2021, Equifax is still furnishing adverse and invalidated debt and communicating with me without my consent via my consumer report. 15USC1681s-2 ( 7 ) ( e ) states use of notice without submitting negative information and 15USC1681s-2 ( 7 ) ( g ) ( i ) states no reporting negative information about the consumer. 


Before we get to validation per 15USC1692g, The FDCPA states Equifax must have my permission to communicate with me per 15USC1692c. Equifax never had my permission to communicate with me prior to my dispute of the validity of the alleged debts being furnished. Equifax is still furnishing adverse information per 15USC1681d. I am going to invoice Equifax for the other individual actions because of the failure on the end of Equifax per 15USC1692k. In regards to authorization needed from me to proceed with my complaint, I granted Equifax permission when I disputed the validity of the alleged debts but Equifax still did not provide all 5 things per Congress, which is a failure on Equifax end per 15USC1692g. I demanded Equifax to cease all communication with all 3rd party debt collectors and myself in regards to all alleged debts for all purposes. As of today, Equifax is still communicating and furnishing invalidated debts without my consent. 15USC1640 states any debt collector who fails to comply with respect to any person is liable to such person any actual damage sustained. Under federal law, I am entitled to emotional distress, damages, economic damages costs and attorney fees per 15USC1692k and other consumer protection laws. FCRA defines a consumer report as a medium, which is communication. I NEVER requested an investigation or verification because Congress states Equifax does not have the power to do so per 15USC1681 ( a ) ( 3 ). I requested VALIDATION per federal law, I NEVER requested verification as nothing in 15USC1692 ( g ) states contract, signature, or verification. A signature or a contract is not a validation and is not listed as apart of the 5 requirements per federal law. I never received my request for VALIDATION, which is a failure on the end of Equifax. Equifax investigations verified it was a consumer credit transaction originating from my credit card and it should not be included in my consumer report per 15USC1681c ( a ) .TILA defines credit card as any card per 15USC1602 ( l ). Equifax does not have the power to say I owe any alleged debts per 15USC1692g ( b ). My federally protected consumer rights has been abused and violated by Equifax and as of today, XX/XX/2021, still being abused and violated by Equifax per 15USC1692d and individual actions. I use my consumer report to extend myself credit and the invalidated debts and invalid communications are still being furnished. Credit is created to remove obligations not create more obligations. I am a single mother and Equifax is impeding upon my right to privacy and impacting my life and the quality of my three children lives. We have missed out on immeasurable opportunities due to these adverse accounts being furnished by Equifax. I, XXXX XXXX XXXX do not validate any of the alleged adverse debts being furnished and I never instructed Equifax to communicate with me or about me to any debt collectors for any purpose.

Company response to consumer: Closed with explanation