Consumer complaint received 2021-11-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This submission is not from a third party. I, XXXX XXXX. Natural person , consumer, agent, administrator, submit this notification of Federal violations. Ive notified Equifax since XX/XX/XXXX of fraudulent activity and unauthorized use on/of my consumer report. 

Fraud is defined as no consent in XXXX  Laws dictionary. 

Fact, Equifax did not receive my consent to report this information. 

Furthermore, Equifax is in violation of Truth in Lending, 1601 ( p ) for unauthorized use. The law states- The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

Fact, inquires on my report are of no benefit to me ; I demand the removal of this information.

Lastly, Equifax is in violation of 15 USC 1681a ( d ) ( 2 ). The law states- ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer a
nd the person making the report ; Fact, Equifax has willingly violated a federally protected consumer.

Fact, Equifax has employed representatives to act on their behalf who have been non-compliant in regards to correcting this violation. 

Fact, Federally protected consumer XXXX has pursued mediation and correction directly with the corporation and consumer reporting agency Equifax via the following mediums : phone calls ( quantity 7+ ), letters, fax, and as of XX/XX/21 CFPB portal. 

Fact, if the results of this final attempt for correction of the consumer report for the federally protected consumer XXXX equates to willful non-compliance. Then a federal lawsuit will be issued seeking remedy for willful noncompliance and actual damages ; which can only be determined by the natural person. Note : the following will be included in request for remedy- time spent on the phone with non-compliant representatives ( {$1000.00} per phone call ), time spent drafting letters ( {$1000.00} ) per letter, time spent completing fax to Equifax and ensuring successful processing ( {$2000.00} ), actual damages ( loss of opportunity to purchase home valued at $ XXXX ), actual damages ( harm to reputation and creditworthiness {$500000.00} ). 

Fact, the law states under 15 USC 1692i ( b ) - ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

Fact, Equifax is a debt collector as defined by law under 15 USC 1692a ( 6 ) - ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. 

Fact, Equifax regularly collects debts from consumers via Equifax services and Equifax products.

Fact, Equifax indirectly collects or attempts to collect debts owed or due or asserted to be owed or due another by furnishing negative consumer transactions on behalf of other corporations as a method of unfair debt collection practices to harass and scare a natural person/consumer to pay on a debt or alleged debt. 

- This complaint is to obtain immediate remedy. 

Directions to the consumer reporting agency and debt collector Equifax. I DEMAND the removal of all inquires from XXXX XXXX XXXX  and XXXX XXXX.

Company response to consumer: Closed with explanation