Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved I, XXXX XXXX, consumer, natural person, and original creditor of an open-end consumer credit plan have been violated by EQUIFAX INFORMATION SERVICES , LLC pursuant to several federal consumer protection laws under the Fair Credit Reporting Act ( FCRA ) I, the consumer in fact and natural person, pursuant to FCRA 15 U.S. Code 1681 ( a ) ( 4 ), have rights to privacy that are to be respected by consumer reporting agencies.

My privacy has been BREACHED and my rights have been VIOLATED by EQUIFAX INFORMATION SERVICES , LLC pursuant to FCRA 15 U.S. Code 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 INFORMATION SERVICES , LLC, the consumer reporting agency, any written instructions or consent to furnish or report anything on my consumer report. Reporting and furnishing anything on my consumer report without my written instrutions is a VIOLATION of FCRA 15 U.S. Code 1681b ( a ) ( 2 ). WITHOUT CONSENT from the consumer it is considered IDENTITY THEFT, as described in 15 U.S. Code 1681a ( q ) ( 3 ), committed by the consumer reporting agency under FEDERAL LAW. EQUIFAX INFORMATION SERVICES, LLC has stolen my identity by reporting information without my consent. I, the consumer, am aware that 15 U.S. Code 1681b ( c ) ( 1 ) ( A ) refers to inquiries and does not make up the entire section of 15 U.S. Code 1681b. Therefore Permissible purposes does not only refer to inquiries.

FCRA 15 U.S. Code 1681a ( d ) ( 2 ) ( B ) states the following- ( 2 ) EXLUSIONSExcept as provided in paragraph ( 3 ), the term consumer report does not inculde ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device TILA 15 U.S Code 1602 ( l ), Congress defines a credit card as the following- ( l ) The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money property, labor or services on credit.

Pursuant to FCRA 15 U.S. Code 1681a ( d ) ( 2 ) ( B ) and TILA 15 U.S Code 1602 ( l ) any account reported or furnished on my consumer report that was opened using my social security ( credit ) card is a VIOLATION of FCRA 15 U.S. Code 1681a ( d ) ( 2 ) ( B ) Pursuant to FCRA 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) I, the consumer, must be given the opportunity to direct whether I want the information about a transaction to be reported on my consumer report and credit file. I, the consumer, was not given the opportunity to opt-out of having the accounts listed below reported. This is a violation and I demand these accounts to be removed.

Pursuant to FCRA 15 U.S. Code 1681a ( d ) ( 2 ) ( B ), FCRA 15 U.S. Code 1681b ( a ) ( 2 ), FCRA 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) ALL of the accounts listed in my letter to EQUIFAX INFORMATION SERVICES, LLC Dated XX/XX/2021 ( received by EQUIFAX INFORMATION SERVICES, LLC on XX/XX/2021 as verified by USPS return receipt ) that are reported and furnished on my consumer report are a VIOLATION of my Federally Protected Rights as a consumer under these laws and must be deleted IMMEDIATELY.

Company response to consumer: Closed with explanation