Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: CO
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:
Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, D.C. 20552. 

o Whom it may Concern : I Pulled My credit report and I noticed That I am still a victim of ID theft and am continuing to suffer from inaccurate Information as a result of fraud : My privacy rights are being violated. I would like a Full file disclosurereport. 
PLEASE BE ADVISED THAT IN accordance with fair Credit Reporting Act, all of the ACCOUNTS LISTED BELOW, has violated my federally protected consumer rights to privacy and confidentiality under 15. U.S.C 1681. THE MANY VARIOUS ADDRESSES, DIFFERENT SPELLINGS OF MY LEGAL NAME, EMPLOYMNNT HISTORY IS WRONG AND IN VIOLATION OF 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. IN 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT THE WRITTEN INSTRUCTIONS TO DO SO FROM THE CONSUMER.

15 U.S.C. 1681c. ( a ) ( 5 ) SECTION STATES : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antidates the report by more than seven years PLEASE FIND THIS AS LEGAL NOTICE, MY RIGHTS ARE BEING DENIED AND VIOLATED. THIS IS WRITTEN NOTICE TO PROVIDE THE CORRECT INFO THAT I, THE CONSUMER, PROVIDED.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND All other Personal info listed on my report need to be REMOVED! except for the personal info, That I, The Consumer/Victim have provided and gave such authorization to list. Per 15 USC ; 1681 PRIVACY LAWS : All 3 major reports will show a fraud alert I had placed years ago.

ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX is in violation of said rights : As well as these collections companys Potentially Negative XXXX XXXX XXXX XXXX Potentially negative Date XXXX Balance {$4800.00} StatusAccount charged off. {$14000.00} written off. {$4800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date XXXX Balance {$1700.00} StatusAccount charged off. {$770.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date XXXX Balance {$760.00} StatusAccount charged off. {$650.00} written off. {$760.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date XXXX Balance- StatusPaid in settlement. {$2900.00} written off. 
XXXX XXXX XXXX Potentially negative Date XXXX Balance {$93.00} StatusCollection account. {$93.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date XXXX XXXX {$1800.00} XXXX account. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date XXXX XXXX {$650.00} XXXX account. {$650.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date XXXX XXXX {$980.00} XXXX account. {$980.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative a person has taken adverse action against me because of information in my credit report ; I was denied an employment offer I am the victim of identity theft and placed a fraud alert in my file ; My File contains inaccurate information as a result of fraud ; you are on public assistance ; Food Stamps SNAP. 
you are unemployed but expect to apply for employment within 60 days. 

All OF THESE ( SAME DATE ) INQUIRIES ARE ALL FALSE AND FRAUD : Remove them!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in violation of said rights 15 U.S.C 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation