Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: SC
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:
I have been disputing inaccurate information off of my credit report with Equifax for 6 months now and they have not done a proper investigation nor have they removed the inaccurate information. I submitted an identity theft report on XX/XX/2022 and XX/XX/2022 and they still continue to break federal laws and violate my rights causing me a lot of financial harm. According to congress they assumed this role, I did not give them permission to furnish this report. They have no exercised their grave responsibility and have not respect my right to privacy. 

According to 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 usc 1681 Permissible purposes of consumer reports I did not instruct them to furnish this report. 

15 usc 6802 Obligations with respect to disclosures of personal information A financial institution may not directly or through any affiliate disclose to a no affiliated third party any non public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with 6803.

I was not provided any information asking for my consent. 

When reading Equifaxs data sharing policy, they have not been following their own policy which clearly states they do not move without the consumers consent. When Equifax shares data with a organization based on the consumers consent and to provide a copy of it upon request. I asked Equifax from their data sharing policy to provide me a copy of that consent or to remove the account from my report. They did not have that consent because I did not provide them with that consent. The accounts and inquiries were furnished on my report without my written consent. 

When I sent out the last identity theft report they violated federal law by not exercising their grave responsibility. According to 15 usc 1681 c-1 Identity theft prevention fraud alerts and XXXX XXXX alerts. 
Upon the direct request of a consumer or an individual acting on behalf of or as a personal representative of a consumer, who is XXXX in good faith a suspicion that the consumer has been or is about to become a victim of fraud or a related crime, including identity theft, A consumer reporting agency that maintains a file on the consumer and has received appropriate proof of the identity of the request ( B ) provide to the consumer all disclosures required to be made under section 1681G of this title, without charge to the consumer, not later than three business days after any request describe in subparagraph a Equifax did not do this when I submitted the identity theft form. 
They have made my credit score drop drastically by adding and removing remarks hurting my score furthermore. I have requested deletion over the phone and they continue to tell me to submit a identity theft form which I have done multiple times. The representatives are providing me with false information therefore not exercising their grave responsibility. There is an abundance of evidence proving that Equifax have been unfair and partial They keep trying to coerce me into sending a copy of my social security number which is illegal. 
31 CFR 1.32 says An individual shall not be denied any right, benefit or privilege provided by law by a component because of such individuals refusal to disclose his or her social security number

Company response to consumer: Closed with explanation