Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
State: CT
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:
EQUIFAX is furnishing a unauthorized inquiry on my reputation that i have disputed in 2021 and they have not verified accuracy in a timely manner according to the FCRA guidelines and have not performed their Grave responsibilities in confirming accuracy under the FCRA. EQUIFAX Is a Elaborate Mechanism under 15 U.S. Code 1681- Congressional findings and statement of purpose- who assumed its roll collecting my information against my consent and right to privacy. They function solely under the FCRA and CFPB. 

Equifax has all the documents pertaining to all my initial communications of dispute and have performed ill will and discriminated against me the consumer. 

Equifax is in violation of 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports -- for furnishing unauthorized inquiries without my written instructions Equifax is in violation of 15 U.S. Code 1681e - Compliance procedures -- they have not maintained reasonable procedures designed to avoid violations under 15 USC 1681b. 

Equifax is in violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy -- i have disputed a unauthorized item on my reputation and Equifax did not perform its duty to provide accuracy and verification of item in dispute with a timely responsible manner and have not removed disputed item from my reputation Equifax is in violation of 15 U.S. Code 1681c ( 5 ) - Requirements relating to information contained in consumer reports -- Equifax is furnishing fruadulant information hurting my reputation knowingly and willfully there for it is adverse information and a act of illwill -- Equifax is in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies -- EQUIFAX falls under the definition of Person in Truth in Lending 1602 being a corporation and has furnished on my consumer report willingly having reasonable cause to believe that the information is inaccurate so there for are in violation. 

Equifax is in violation of 15 U.S. Code 1692j - Furnishing certain deceptive forms -- Equifax has furnished a unauthorized inquiry despite my communications disputing said inquiry giving the perception i have some relationship with the third party and any possible debt for service -- Equifax is in violation of 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction -- under this federal law Equifax has not conducted a proper investigation and is willfully hurting my reputation in a act of ill will Equifax is liable for damages under 15 U.S. Code 1681n - Civil liability for willful noncompliance and 15 U.S. Code 1681o - Civil liability for negligent noncompliance for the amount of {$1000.00} per violation for the total sum of {$7000.00}. I seek resolution of deletion of disputed item and remedy for incredible damages including XXXX, lack of sleep, XXXX XXXX XXXX, frustration and XXXX.

Company response to consumer: Closed with explanation