Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: TN
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:
THIS CREDIT REPORTING COMPANY HAS REFUSED TO ABIDE BY THE CONSUMER LAWS. HERE ARE THE VIOLATIONS 15 USC 1681i ( a ) ( 4 ) Under the FCRA15 U.S Code 1681 ( a ) ( 4 ) I am a federally protected consumer and I have the right to privacy. Ignoring this law is in direct VIOLATION of MY PRIVACY of 15 USC 1681 and all its subsections.

15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any Item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and records the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 days beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 USC 1681i ( 6 ) ( B ) ( iii ) A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, 15 USC 1681b ( a ) ( 2 ) clearly states that 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 REALLY NEED THE CFPB TO HOLD ALL PARTIES ACCOUNTABLE FOR IGNORING THE REQUEST OF THE CONSUMER. ALL ENTITIES ARE CONTINUING TO IGNORE WHAT IS PUT IN FRONT OF THEM. 
I ASKED FOR CONTRACTUAL LEGAL DOCUMENTS BETWEEN THE CONSUMER AND THE CREDITOR TO BE SENT TO PROVE THAT THE ALLEGED ACCOUNTS ARE INDEED THE CLAIMANT. THIS INFORMATION HAS YET TO BE SENT AND THE CREDITORS AND THE CRA ARE WORKING IN CONJUNCTION BY NOT ABIDING BY THE CONSUMER 'S LAWS AND SUBMITTING THE PROOF NEEDED TO CONTINUE TO REPORTING INFORMATION THAT IS INCORRECT. 
IF THERE ARE NOT 2 SIGNATURES ON A LEGALLY BINDING DOCUMENT THEN THERE IS NO CONTRACT SO IF THERE IS NO CONTRACT WHY ARE THERE ACCOUNTS BEING REPORTED? SEND ME LEGAL DOCUMENTS THAT HAVE BOTH THE CONSUMER AND THE CREDITOR 'S SIGNATURES OR ELSE REMOVE THE ACCOUNT FROM THE REPORT. PRINT-OFFS FROM AN ALLEGED ACCOUNT ARE NOT A LEGAL CONTRACT. PRODUCE IT OR REMOVE IT!!!!! 

15 USC 1681b ( a ) ( 2 ) clearly states that 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. 
PLEASE SHOW THE CLAIMANT THAT THERE WAS A WRITTEN DOCUMENT STATING THAT ANYTHING CAN BE FURNISHED. THERE IS NOT ; SO WHY ARE THEY BLATANTLY IGNORING THE LAWS? 
I HAVE SUBMITTED AT LEAST 3 TIMES OF THE VIOLATION OF THE CRA AND NOTHING HAS BEEN DONE ABOUT IT

Company response to consumer: Closed with explanation