Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: OH
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:
I've been disputing against this reporting agency since XXXX There have been over 100 violations from them since that time. 

Deletion is admittance of guilt and I've invoiced them for XXXX XXXXXXXX and they still haven't fully rectified the problems that I've reported to them, or complied with my demands. 

Most of my exhibits will be attached to this complaint. 

The certified mail receipt of the invoice will also be attached. 

I do plan to take them to federal court if they do not pay the invoice. 

I've not been able to buy a house because of the 34 derogatory marks from student loan accounts that were reported incorrectly, and updated illegally. 

They denied over 70 of my requests to validate certain debts between the years of XXXX and XXXX. 

They've never interviewed my friends and family for validation, and have caused me financial misery for a bit under a decade. 

I've slept in my car for months at a time due to their mis reporting, and blatant disregard for the law. 

Here is a list of some of the violations that I've cited to them. 

15 U.S. Code 1692j ( a ) Furnishing certain deceptive forms Under 15 U.S. Code 1692k Civil liability I Demand XXXX dollars for each violation as you have caused severe damage to my character. 

Pursuant 15 USC 1602 ( p ) The term unauthorized use 15 U.S. Code? 1692g-Validation of debts Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report United States Code Law 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) In general subject to subsection ( c ) I never gave consent to have these items reporting. These items are false and misleading 15 U.S.C 1681a ( b ) - " Any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Anything authorized from my credit card should be excluded from my consumer report. I want everything listed below deleted from my credit report.

According to 15 USC 1605 ( a ) any transaction that requires my social does in fact involve a finance charge, which is illegal because selling credit is against the LAW. You have violated my right to recission by not disclosing that information to me pursuant 15 USC 1635 ( a ). 15 USC 1635 ( b ) 15 U.S.C. 1692g, 15 U.S.C. 1695, FCRA, FDCPA 15 U.S.C. 1692g ( B ) 12 USC 1431 15 USC 1681a 2B " Notes : From XXXX - XXXX 73 accounts were deleted, not including the dozens of hard inquiry listings, wrong names, wrong addresses, wrong jobs, wrong phone numbers, inaccurate accounts and more. 
I have exhibits for each and every one of those deletions, disputed receipts and all will be sent to the CFPB. If this demand is not fulfilled. 
I will take this to federal court and sue for damagaes for that enitre 8 year period. '' There's a XXXX XXXXXXXX XXXX card date opened XX/XX/XXXX, with a balance of XXXX out of XXXX, all three reporting agencies are reporting that without my written consent as well. I would like that to be deleted.

Company response to consumer: Closed with explanation