Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: FL
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 : of Identity Theft and FRAUD EQUIFAX FAILED TO PROVIDE CONSUMER WITH VERIFIABLE PROOF OR DOCUMENTARY EVIDENCE PURSUANT TO 15 USC 44, AND CONTINUES TO REPORT FRAUDULENT INACCURATE AND UNVERIFIABLE ACCOUNTS WHICH IS A VIOLATION PURSUANT TO 15 USC 1681g. FAIR CREDIT REPORTING ACT ( FCRA ).

Notice, it is a fact, according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), or 15 U.S. Code 1681g ( a ) ( 1 ) ( a ) - Disclosures to consumers ( a ) Information on file ; sources ; report recipients Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; You are required by federal law to verify - through the physical verification of the original signed consumer credit contract ANY accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which would be FRAUD and liable to criminal liability for willful and knowing violations Pursuant to 15 USC 1611.

Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter, or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

Under penalty of perjury, I am requesting, and I am demanding to see Verifiable Proof or Documentary Evidence pursuant to 15 USC 44. Documentary Evidence includes ALL documents, papers, correspondence, books of account, and financial and corporate records.

Under penalty of perjury, I am demanding verifiable proof of original Consumer Credit Contract with my Original Signature on it.

Pursuant to 15 USC 1681b ( 2 ) - Permissible purpose of consumer report ( 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.

Notice, it is a fact, I, Affiant DID NOT give EQUIFAX ANY written consent to report ANYTHING on my consumer report or on my consumer file. No written consent is Identity Theft. Please provide affiant with an express written consent that I, affiant, the consumer gave you permission.

Notice, it is a fact, I, the affiant is a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). These companies listed below has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent.

Notice, it is a fact, affiant is aware, pursuant to 15 U.S. Code 1681g I, the consumer has the right to request a full file disclosure about the information within my consumer file which includes the sources of the information was used to verify the information before it was procured onto the consumer report. This includes the dates, original payees, and amounts of any checks, identification of each person ( including the end-users identified under section 1681e ( e ) ( 1 ) of title 15 ) that procured my consumer report, including their address and telephone number of the persons, a record of all inquiries received by the agency during the 1-year period preceding my request in connection with the credit or insurance transactions not initiated by me, the consumer. If any of the following accounts do not have the sources of information available, they must be removed. The following accounts require verification or must be removed.

NOTICE : I am demanding the following accounts be verified or removed from my consumer file and consumer report immediately. No evidence or deletion will result in legal actions.

Name of Account/ Federal Violation FRAUD-Identity Theft/ Provide Written Consent and Documentary Evidence XXXX XXXX  15 USC 1681b ( 2 ) No contract/ No written consent ONEMAIN 15 USC 1681b ( 2 ) No contract/ No written consent XXXX  15 USC 1681b ( 2 ) No contract/ No written consent XXXX XXXX XXXX 15 USC 1681b ( 2 ) No contract/ No written consent XXXX  15 USC 1681b ( 2 ) No contract/ No written consent XXXX XXXX XXXX  XXXX 15 USC 1681b ( 2 ) No contract/ No written consent XXXX XXXX 15 USC 1681b ( 2 ) No contract/ No written consent XXXX XXXX XXXX 15 USC 1681b ( 2 ) No contract/ No written consent Notice, it is a fact, due to failure to verify accounts listed above I have been damaged financially, socially, and emotionally due to willful non-compliance and negligence compliance pursuant to 15 USC 1681n and 15 USC 1681o Civil Liability. Under the Fair Credit Reporting Act ( FCRA ), unverified accounts MUST be removed and if you are unable to provide me a copy of verifiable proof or documentary Evidence pursuant to 15 USC 44, you MUST remove or delete accounts listed above from my consumer file. I am demanding removal or deletion from my consumer file and credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation