Consumer complaint received 2023-01-11
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:
In accordance with, and pursuant to the principles of the Fair Credit Reporting Act ( FCRA ), the following violations over the accounts below have violated my consumer Federally protected consumer rights to privacy and confidentially pursuant to the principles of the Privacy Act of 1974, as amended, Title 5 U.S.C. 552a, Section 602 A which also states that I have a right to privacy. The XXXX Right to Financial Privacy Act ( RFPA ) FDIC, Title 15 U.S. Code 1681e ( a ) to ( e ), Title 15 U.S. Code 1692 - Congressional findings and declaration of purpose, Title 15 U.S. Code 1692a to k with emphasis on Title 15 U.S. Code 1692g validation of the purported debt and UCC 9 210 ( a ) ( 4 ), Credit Denial in violation pursuant to Title 15 U.S. Code 1681a ( k ), Fair Debt Collection Practice Act ( FDCPA ) pursuant to 807 [ Title 15 U.S. Code 1692 ( e ) ( 3 ) and 1692 ( e ) ( 11 ) ] False or misleading representations, They ( alleged credit furnishers ) have violated my consumer rights, and restraint of trade in violation of pursuant to Title 15 U.S. Code 1, and Title 15 U.S. Code 2 which is causing a civil liability damages pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ Title 15 U.S. Code1681n ], and financial hardship. Restraint/ restriction to engage in commerce per Article I Section X Clause 1 impairing the Obligation of Contacts. The alleged credit furnishers offenses also amount to XXXX Identity Theft pursuant to Title 18 U.S. Code 1028A. I, the consumer have not initiated any transaction with XXXX XXXX XXXX  Furthermore, I do not have an account as defined pursuant to Title 15 U.S. Code 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. Hence, the alleged credit furnishers are in violation of the XXXX XXXX XXXX these are governed by : a. Title 15 U.S. Code 1681 The Fair Credit Reporting Act ( FCRA ) ; b. Title 15 U.S. Code 1692 The Fair Debt Collection Practice Act ( FDCPA ) ; c. Title 15 U.S. Code 1601 The Truth in Lending Act ( TILA ). Those entities are also in violation pursuant to Title 15 U.S. Code 1602 ( p ), and also violating Title 18 U.S. Code 894. Pursuant to Title 15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : XXXX XXXX XXXX Closed/ Charge off XXXX  XXXX XXXX Closed/ Charge off XXXX XXXX XXXXXXXXXXXX XXXX  Closed/ Charge off XXXX  XXXXXXXX XXXX XXXX  Closed/ Charge off XXXX  XXXX XXXXXXXX XXXX Closed/ Charge off/ Past Due Additionally, the FCRA clearly states pursuant to Title 15 U.S. Code 1681 Section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. They are reporting on income according to the United States Department of the Treasury, Internal Revenue Service ( IRS ) where income reporting is NOT defined by FCRA, FDCPA, or TILA. The using of my consumer XXXX  without the XXXX written consent is in violation pursuant to XXXX New York XXXX XXXX Penal, Part XXXX [ pursuant to the principles of O.C.G.A 16-9-93.1 ]. If your debt is past the statute of limitations, you might be free at last. Summary : As of XXXX, the statute of limitations on most debt in New York is just XXXX  years. This means that creditors and debt collectors only have XXXX years from the date of the last activity on an account to sue someone for a debt.

Company response to consumer: Closed with explanation