Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
State: NY
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:
To whom it may concern, I the consumer sent Equifax Information Services, LLC a letter on XX/XX/2022 demanding deletions of alleged debts owed that were reported on my consumer report. I never gave any written instruction to Equifax giving consent to furnish a consumer report. This violates 15 USC 1681b ( a ) ( c ) ( 2 ) .I demand Equifax Information Services , LLC provide proof of written instruction from myself the consumer instructing them to furnish a consumer report. These false and misleading practices used by XXXX to obtain my consumer information from various sources violates 15 USC 1692e ( 10 ). Equifax has committed identity theft according to 603 Definitions ; rules of construction 15 USC 1681a ( 3 ) The term " identity theft '' means a fraud committed using the identifying information of another person, subject to such further definition as the Bureaus may prescribe, by regulation. They have committed identity theft by falsely representing and the use of deceptive means to collect my consumer information without consent and collecting consumer information of alleged debts owed and furnishing a consumer report without consent to furnish this information on. ( a copy of the consumer report with my ID, proof of address and SS card will be submitted with this complaint ). I have tried multiple times to get Equifax Information Services LLC to delete these alleged debts owed, late payments and collections acct reported on my consumer report. I have disputed Equifax Information Services LLC on XX/XX/2022 and XX/XX/2022 through the CFPB portal and now on XX/XX/2022 I sent a dispute letter. I suffered from obscene and profane language on my consumer report as well as alleged debts owed, late payments and collections. As a consumer I suffered from XXXX  and XXXX because I'm unable to obtain employment or credit and fell into financial hardship and have not been able to obtain insurance or housing. My family and I suffered from this abuse from Equifax. By Equifax obtaining my consumer information without any written consent and furnishing a consumer report And reported negative information of alleged debts owed, late payments, collection caused financial hardship for myself and family as well as damage to my reputation and suffering. This harassment and abuse is a violation of my rights as a consumer according to 15 USC 1692d ( 1 ) ( 2 ). XXXX knowingly and willfully obtained my consumer information under false pretenses from various sources without my consent to furnish a consumer report and service their customers. This violates my rights as a consumer according to 15 USC 1681q.

My right to privacy as a consumer was also violated by the identity theft of my consumer information and furnishing a consumer report without consent and furnished a report anyway to make it available to service their customers such as creditors, employers, insurance companies, landlords etc. This violates 15 USC 1681 ( 4 ) my to respect and privacy as a consumer

Company response to consumer: Closed with explanation