Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: TX
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:
After reviewing my credit report I continue to notice unauthorized accounts I gave no consent to be furnished. I've demanded the accounts be removed immediately, but Equifax continues to do false investigations. I've requested full file disclosure per my rights as a consumer. I only get a generic response that the accounts have been verified without insuring the information is accurate. This grave error has undermined my confidence in Equifax 's procedures, and as a result of this I will no longer be extending credit and if the information is not removed I no longer want my information reported in your companies database. Pursuant to 15 USC 1681 ( a ) ( 2 ) - Equifax is a powerless elaborate mechanism. This mishap that your company caused has ruined my reputation, and it adversely affected my credit worthiness. Pursuant to 15 USC 1681 ( a ) ( 3 ) - Your company assumed this role. You were not given permission by me, the consumer or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role and assumed this information was valid which is a violation of my consumer rights. Pursuant to 15 USC 1681 ( a ) ( 4 ) - you did not insure the information was accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if these transactions even took place.Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. The alleged transactions that you are reporting, and failed to investigate whether or not it factually took place between the consumer and the person making the report which means it should not be included in my consumer report, and in fact is a violation of my consumer rights. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) - In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This in fact is another violation. Pursuant to 15 USC 1681a ( B ) - Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. These alleged transactions that Equifax clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( I ) as any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. In the event these accounts are not deleted within 10 days of receiving this complaint, I will be seeking litigation and damages of {$10000.00} per day these violations persist detailed in in my UCC1 Lien Notice filed with the Secretary of State. I look forward to your response.

Company response to consumer: Closed with explanation