Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: TN
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:
To whom it may concern, Me XXXX XXXX XXXX, the Consumer is protected by the rights under The Consumer Protection Act of 1968. EQUIFAX XXXX, & XXXX are Violating the law. I have requested numerous times for certain accounts and items to be removed from my consumer report. I have had no contract with your company. 
I am a CONSUMER with RIGHTS. I never gave EQUIFAX permission to have my private information. I never gave them written consent. Me, XXXX XXXX XXXX DOES NOT have a bidding contract with EQUIFAX. EQUIFAX XXXX, & XXXX has VIOLATED the Fair Credit Reporting Act. EQUIFAX XXXX, & XXXX VIOLATED Title 15 U.S. Code 1681b ( a ) ( 2 ). I never gave written instructions, or power of attorney to create a consumer report on me XXXX XXXX XXXX. This Is A VIOLATION of My Consumer Rights. 

Title 15 U.S. Code 1602 ( L ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Meaning my social security card! Every account or alleged account was open with my credit card social security card Pursuant to Title 15 U.S. Code 1681n EQUIFAX, XXXX, & XXXX is Civil liability for willful noncompliance with my consumer report. Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ; any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 


Pursuant to Title 15 U.S. Code 1681o Equifax, XXXX, & XXXX Is Civil liability for negligent noncompliance with my consumer report. Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure ; and In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I have credit card accounts that should have never been on my consumer report. Its a VIOLATION of my Consumer rights pursuant to Title 15 U.S. Code 1681a ( 2 ) ( b ) Except as provided in paragraph ( 3 ), the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; I Want All Inquiries Hard/Soft To Be Removed From My Consumer Reports. Also I want EQUIFAX XXXX, & XXXX TO PAY FOR THE DAMAGES AND VIOLATIONS AGAINST ME THE CONSUMER. Every inquiry I dont have an open account with is in violation. Inquirys without a valid permissible purpose is a violation. 

Title 15 U.S. Code 1681a ( d ) ( 3 ) Restriction on sharing of medical information. Reporting medical information of ANY type is a violation of the HIPPA ACT & FCRA. 

Title 15 U.S. Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Never gable consent to any credit agency or corporation to report or/and furnish and have any of my personal private information which is identity theft pursuant to 12 Cfr 1022.3 ( h ). 

The following accounts and/or items that are violation of FCRA & need to be remove immediately : XXXX XXXX XXXX XXXX XXXX XXXX theft Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Credit Card Account # XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Account XXXX XXXX XXXX Credit Card Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX, XXXX fraud credit card identity theft Account XXXX XXXX XXXX XXXX XXXX XXXX fraud credit card identity XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX MB XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} for each XXXX pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance & XXXX XXXX Code XXXX - Civil liability for negligent noncompliance My full name - XXXX XXXX XXXX My Social security # XXXX My address - XXXX XXXX XXXX XXXX XXXX XXXX Tennessee XXXX My phone # XXXX For your violations, I am assessing a penalty/fine of {$8000.00} to be settled immediately upon receiving this communication, you have 3 days of receipt of these VIOLATIONS & Demands to settle this matter. If you do not comply there will be a {$2500.00} additional penalty per day plus interest. You have agreed and stipulated to this consumer consent order for your participation in interstate commerce, agreeing and stipulating to my terms and for whatever monetary compensation I may arise to. In addition, if you do not comply fully you will be obstructing justice and held in contempt to be tried as a criminal. If you fail to respond or settle I will pursue a default judgement against you pursuant to Rule 55a of Federal rules of civil procedures. 
XXXX XXXX, Consumer

Company response to consumer: Closed with explanation