Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX XXXX am submitting this complaint on MY OWN BEHALF. This is not a third party company. I authorize Equifax to continue their investigation and response to this complaint. I called Equifax today and also submitted disputes for 14 items listed on my report that are inaccurate. The dispute confirmation number is XXXX. The disputed items have not been properly investigated pursuant to the FCRA. There was and have not been ANY interviews conducted pursuant to the FCRA in items sent to companies for response via the XXXX system Equifax is reporting information on my consumer report that I neither consented to nor authorized and that is a violation of my right to privacy pursuant to 15 U.S. Code 1681a ( 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. To further, Equifax you are in violation of the following laws. 
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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681a ( 4 ) - ( a ) Accuracy and fairness of credit reporting. ( 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. 

15 U.S. Code 1681a ( 2 ) ( b ) ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( 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 ; The 14 items listed on my reports have been disputed and I am demanding they be removed. 
Having a consumer report and items listed on this report is a defamation of my character and the reporting of these items are not benefiting the consumer as the consumers credit was extended as the original creditor in all consumer credit transactions. 

I XXXX XXXX XXXX never gave Equifax any written consent to report ANYTHING to my consumer report. Consent was not given to have my personal identifying information which is identity theft per 12 CFR 1022.3h. Additionally I did not consent to a FICO score and there is no law that states a consumer must have one. I demand this erroneous score be lifted to the highest numerical value of XXXX as the natural person only operates in credit and not alleged debt. 
With my consumer rights being violated I am expecting monetary compensation in the amount of {$14000.00}. {$1000.00} per inaccurate item listed on my Equifax consumer report as pursuant to the FCRA

Company response to consumer: Closed with explanation