Consumer complaint received 2021-11-28
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/21 I sent a complaint to the XXXX stating my cease and desist towards XXXX XXXX regarding the information and unknown things on my credit report. They weren't able to find the company on their database. Since the credit reporting agencies are liable for furnishing this alleged debt on my consumer report has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. All consumer reporting agencies, must follow reasonable procedures pursuant to XXXX U.S.Code XXXX ( b ). The reasonable procedures were not followed and this a violation of XXXX U.S.Code XXXX ( b ). This reported information is only based solely on transaction and experiences between I, the consumer and XXXX XXXX. This is a violation of XXXX XXXX XXXX ( XXXX ) ( a ) ( i )., A consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the XXXX XXXX XXXX. I was not given the chance to opt-out of having this reported information about XXXX XXXX not being reported and is a violation of XXXX XXXX Code XXXX ( XXXX ) ( a ) ( XXXX ) and must be removed. I am aware a consumer reporting agency may furnish a consumer report in accordance with the written instructions from the consumer to whom it relates. Please provide the written instructions that I, the consumer gave to XXXX, XXXX and EQUIFAX which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice XXXX, XXXX and EQUIFAX, which constitutes aggravated identity theft in accordance with XXXX XXXX XXXX. The account XXXX XXXX must be removed. I am aware pursuant to XXXX XXXX XXXX XXXX ( a ) maintain reasonable procedures designed to avoid violations under section XXXX which includes violations of permissible purposes, and affiant is aware, no consumer reporting agency can furnish a consumer report to any person without the following all the purposes listed in section XXXX of this title XXXX. Any person, which includes an organization such as XXXX, XXXX and EQUIFAX who willfully and knowingly obtains information on a consumer, like I, from another consumer reporting agency, without the written instructions or authorization pursuant to XXXX is information obtained under false pretenses. You have no lawful authority and this is a crime under XXXX XXXX and fines are described within XXXX U.S.Code XXXX. I feel like I'm being taken advantage of as consumer. I lost my job, apartment and car and this being furnished on my consumer report is only making the process more harder than what it already is not being able to be approved for anything I apply for. This account is adversely affecting my consumer report and costing me thousands of dollars in interest every year, this is not a regular dispute. I have filed a complaint with the XXXX XXXX XXXX for identity theft pursuant to XXXX XXXX XXXX ( q ) ( XXXX ) and Regulation V XXXX XXXX XXXX is a fraud committed or attempted using the identifying information of another person without authority. Please remove this account identity theft is being investigated by the XXXX, According to XXXX  XXXX this information must be blocked immediately until the investigation is over. I need this problem fixed ASAP. I demand this account to be deleted immediately or I will pursue litigation due to the stress you caused me.

Company response to consumer: Closed with explanation