Consumer complaint received 2023-07-02
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas [ XXXX ] EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ATTENTION FRAUD DEPT : THIS IS AN OFFICIAL NOTICE OF FRAUD IN YOUR METHOD OF ASSEMBLYING AND EVALUATING CONSUMER REPORTS WITHIN THE GUIDELINES OF THE FCRA. THIS IS YOUR ONLY OPPORTUNITY TO CURE WITHOUT LITIGATION AND BILL FOR DAMAGES. 
This letter is to officially address the fact that Equifax, as a XXXX is in dishonor and has not been fulfilling your obligation to ensure accuracy and fairness in your evaluation of many consumer reports according to the investigation done by the Select Subcommittee of the Coronavirus. 
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and UNFAIR CREDIT REPORTING METHODS UNDERMINE THE PUBLICS CONFIDENCE WHICH IS ESSENTIAL TO THE CONTINUED FUNCTIONING OF THE BANKING SYSTEM. 
To be clear your company exists for one reason and one reason only. Per 15 USC 1681a to lawfully evaluate and assemble consumer reports under the direct supervision of the CFPB. Not to play bill collector and allow corporations to illegally furnish protected and excluded information about consumers. Things that have clearly been stated in the Fair Credit Reporting Act that should be EXCLUDED such as transactions and experiences. To be clear the only transaction or experience I can have with a corporation would be an account balance, late payments and credit utilization. I demand all late payments be removed and updated to current, also that my utilization be brought below 25 % and account balances to {$0.00} for them to keep reporting. 
At this present moment and for some months now you have been negatively affecting the banking system by reporting the following inaccuracies. I have disputed these things previously to no avail but recently learned that your agency has been under investigation by the Select Subcommittee of the Coronavirus Crisis. Attached is a letter dated XX/XX/XXXX including links to websites showing stats of how you have been unlawfully discarding consumer disputes or not addressing them at all. I have enclosed a few pages with highlights just in case you act clueless. An investigation was done showing that your company also failed to respond to consumer disputes or offer a resolution and the numbers have more than doubled since XXXX. 
This behavior is unacceptable, and I will be researching more to see how to initiate a lawsuit against you for willful noncompliance of not only FCRA but also FDCPA. These furnishers have been using my consumer report as an attempt to collect on a debt through a third party without my written consent or knowledge which by definition is identity theft. Per 15 USC 1681c-2 this information needs to be BLOCKED AND REMOVED FROM REPORTING. If in fact these items continue to report the fees requested will double. This is your final opportunity to cure this situation outside of federal courts. I also demand compensation for my identity and personal information being breached in your most recent breach in XXXX. You have no idea how leaking my information has affected my life. 
Furthermore, I received a copy of my credit report and found the following item ( XXXX ) to be in error, remove them within the next 4 days per FCRA : 1.Remove this account XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX I officially demand this item be removed. 

2. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. 

3. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer, and I never gave written consent. If you go against what I am saying that will be considered identity theft. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. 
4. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX I officially demand this item be removed. 
5. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. 
XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. 
6. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. 
XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. 
7. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. 
8. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. 
XXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. 
9.. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. 
XXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. 
XXXX. XXXX XXXX Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. 
XXXX XXXX Date of inquiry : XXXX I officially demand this item be removed. 
11.. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. 
XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. 
12.. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. 
XXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. 
13. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. 
XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. 
14.. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. 
XXXX XXXX XXXXXXXX Date of inquiry : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I officially demand this item be removed. 
15. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. 
XXXX, XXXX Date of inquiry : XXXX I officially demand this item be removed. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I mean a REAL INVESTIGATION per FCRA. NOT you just taking the word of a someone I am accusing of fraud. That doesnt help the consumer and is illegal to say the least. It is my understanding that you will recheck these items with the creditor who has posted them and MUST receive proof that I gave my written consent. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the FCRA, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief