Consumer complaint received 2022-06-05
Company: EQUIFAX, INC.
State: AL
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:
I have contacted each of the Credit Bureaus : " Equifax, XXXX, and XXXX '' Starting in XX/XX/XXXX to notify them of improper use of my Consumer Credit Information. At this time, after three rounds of credit disputes, these bureaus still are violating my Consumer Protection Rights Under the Fair Credit Reporting Act ( FCRA. ) In XX/XX/XXXX, I chose to " opt-out '' of allowing the credit bureaus to access or disclose my information to any creditor, furnisher without my expressed permission. As of XXXX XX/XX/XXXX, these Reporting Bureaus are still violating my rights under the FCRA. 

Violation 1 : Under Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] section 606 of the FCRA, is " Unlawful for a consumer credit reporting agency to disclose information without expressed written permission of the consumer. '' The Accounts, Personal Information, and Credit Inquiries listed below are in violation of this provision and need to be removed immediately. 

Additionally, each bureau is in violation of " 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] '' After providing the bureaus copies of my identification, address and proof that either the accounts, information and inquiries below did not belong to me- the Bureaus continued to report this information as 'Accurate ' and failed to respond by providing a " Report of Investigation '' with the substantiating records as to " How this information was investigated, and underlying information to support their claim. '' Accordingly, when the Agency fails to comply with Sections 611 of the FCRA- the information is improper and must be removed. 

My report should ONLY reflect this information as my information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Alabama XXXX Phone : ( XXXX ) XXXX XXXX : XX/XX/XXXX My report should have these items removed as they are inaccurate, and do not belong to me : The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The following account is not mine XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate this account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate this account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate this account XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX The following account is not mine XXXX  XXXX & XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX Equifax : XXXX : XXXX XXXX : XXXX  XXXX XXXXXXXX XXXX  Equifax : XXXX : XXXX : XXXX close XXXX XXXX XXXX  XXXX Equifax : XXXX XXXX : XXXX : access_time In Dispute XXXX XXXX XXXX XXXX. 
Equifax : XXXX XXXX : XXXX XXXX :

Company response to consumer: Closed with explanation