Consumer complaint received 2023-01-05
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:
When I pulled my credit on XX/XX/22 I noticed that XXXX XXXX XXXX was on all XXXX bureaus ( Equifax, XXXX XXXX XXXX ). I immediately filled out an identity theft form and sent them to the bureaus. XXXX and XXXX deleted it BUT Equifax still has it listed, every time I call they tell me its still under investigation. I did not give the company XXXX XXXX XXXX nor any of the XXXX bureaus Equifax, XXXX XXXX XXXX permission to share my information or publish my credit file. 
Per 15 U.S. Code 6801 - Protection of nonpublic personal information- ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

15 U.S. Code 1681b - Permissible purposes of consumer reports 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

Equifax is obligated by the FCRA to report accurate accounting, I the consumer has advised that the account is fraud, said Company had 4 days according to LAW to remove the account in question. FTC fraud report was filled on behalf of consumer, consumer is now requesting EQUIFAX has 15 days to provide me with the name of the spoken to, documentation used, signed application with consumer wet ink signature. This Consumer is NOT asking for e-oscar report. If EQUIFAX does not have documentation to show these were in fact authorized it must be removed ASAP. Said company is liable under the SEC to follow certain rules. Equifax communication file number XXXX P XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX forms to audit CONSUMERS account.

Equifax is securitizing CONSUMERS data yet refused to provide CONSUMER a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation