Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: VA
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:
I the consumer am in receipt of my credit report and results from Equifax. And there are several law violations here. And Equifax is not above the law, but are acting as if they are and I would like for you to hold them accountable for their actions. The laws that were violated per my attached credit report which came directly from Equifax are listed below. Equifax NEVER received written consent or instructions from me. Also per my report EQUIFAX states that alleged items have been updated or verified that is not possible per I am the original creditor and only I can validate a debt and I do not validate these debts. And I CFPB I am looking for you to hold them accountable per the law of the law and EQUIFAX remove the items that are listed on my consumer report. I sent in a dispute to EQUifax directly to correct this and they have not and it has been over 60 days. Also per my report company XXXX XXXX removed item from my consumer report and sent me a letter stating that they didnt have a account of mine. So that means its impossible for them to have an account ( XXXX and XXXX XXXX XXXX ) and place it on my consumer report and that XXXX XXXX  to have it on my consumer report. Equifax & XXXX XXXX XXXX are violating congress laws and doing just what they want to do vs doing what the law says that they have to do. 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) CONSUMER REPORT. ( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 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. 

This is not anyone else writing this complaint, there is no authorize user its me the consumer writing this complaint about Equifax and identification documents have been included. I also Called into equifax XX/XX/2021 and spoke with XXXX who stated that my original complaint sent to the cfpb was received I advised her that I received a response back from Equifax stating that This complaint lists someone the company does not recognize as their customer or their customers authorized representative, I explained That it was me who wrote the complaint and I wanted To know what did you all need from me to confirm my identify or that it was me she advised me nothing. Page one of my attach documents includes my drivers license and utility bill.

Company response to consumer: Closed with explanation