Consumer complaint received 2021-12-14
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, I sent EQUIFAX the letter attached to this complaint via USPS Certified Mail return receipt requested, stating several federal laws and regulations EQUIFAX was in violation of regarding my personal consumer report. The first federal law EQUIFAX acted against is 15 USC 1681b ( a ) ( 2 ) which states the following- ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I, the consumer, never gave EQUIFAX, the credit reporting agency, any written instructions, or consent to furnish or report anything on my consumer report. 
The Second federal law EQUIFAX acted against is 15 USC1681a ( d ) ( 2 ) ( B ) which states the following- ( 2 ) EXLUSIONSExcept 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. This means any account reported or furnished on my consumer report that was opened using my social security ( credit ) card and drivers license ( credit ) card is an individual act and violation of this federal law. 
The third federal law EQUIFAX acted against is 15 USC 1681a ( 2 ) ( A ) ( iii ) which states the following- ( 2 ) EXCLUSIONSExcept as provided in paragraph ( 3 ), the term consumer report does not include ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated amount such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that information not be communicated among such persons. I, the consumer, was not given the opportunity, before the time that my information was initially communicated between XXXX and the corporations listed in my letter dated XX/XX/2021, to direct that information to not be communicated among such persons. My right to opt-out of this was NOT clearly and conspicuously DISCLOSED to me, the consumer. EQUIFAX sent me correspondence dated XX/XX/2021. In the results of our reinvestigation portion of this correspondence, EQUIFAX states that XXXX of accounts disputed in my letter is not reporting on my credit file. The account number provided in my letter was the credit card number associated to the account I disputed. Ive attached a scan of my credit file with the highlighted account that needs to be deleted immediately per my written instructions in this complaint as well as my letter dated XX/XX/2021. Secondly, in the results of our reinvestigation portion of this correspondence, EQUIFAX states that the second account disputed in my letter was resolved by data furnisher and that EQUIFAX verified that the item belongs to me. 15 USC 1681a ( e ) states that information on a consumer shall be obtained through personal interviews with neighbors, friends, or associates of the consumer and shall NOT include information obtained directly from a creditor or reporting agency. EQUIFAX did not conduct any personal interviews with any of my neighbors, friends, or associates in order to investigate the information on my consumer report that I have disputed. EQUIFAX clearly admits to violating this section of the Fair Credit Reporting Act by stating they received my personal consumer information from the companies who are also violating my rights as a consumer. EQUIFAX is civilly liable for all individual acts against the FCRA stated in this complaint.

Company response to consumer: Closed with explanation