Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: OH
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:
Now you are willfully causing financial harm All of the inquiries need to be deleted regardless of your policies. Below is a description of why XXXX XXXX, XXXX Date XXXX XXXX, XXXX Company XXXX XXXX Address XXXX XXXX, XXXX XXXX XXXX, XXXX, CT XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Date XX/XX/XXXX Company XXXX Address XXXX XXXX XXXX XXXX, XXXX, OH XXXX Date XX/XX/XXXX Company XXXX XXXX Address XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX Date XX/XX/XXXX Company XXXX Address XXXX, XXXX XXXX XXXX, XXXX, MD XXXX Date XX/XX/XXXX Company XXXX  Address XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX XX/XX/XXXX Company XXXX Address XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX DateXXXX XXXX, XXXX XXXX XXXX Address XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Request XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AddressXXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Also The following account Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX, with a balance of {$18000.00} out of {$19000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX All three reporting agencies are reporting that without my written consent as well. 
I would like that to be deleted or updated to perfect payment history and XXXX Balance just as the XXXX XXXX Account Was. 

Below is a full description of why that is required. 

Pursuant 15 USC 1681a 2B- 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; XXXX has already stated that these items should not be included on my consumer report. Furthermore, XXXX 15 USC 1602 ( l ) defines that a credit card is : ( 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. The law stated above clearly depicts that my social security card and drivers license are credit cards. These ACCOUNTS AND INQUIRIES were opened by my credit card and any items opened by my credit card need to be removed immediately from my consumer reports ( pursuant 15 USC 1681a 2B stated above ) You are ALSO in severe violation of 15 U.S.C. 1692g, 15 U.S.C. 1695, FCRA, FDCPA, along with the GrammLeachBliley Act along with other laws outlined in this letter. The Natural person cant owe anything! Under the FCRA, for an account to be validated, myself, friends or my associates were to be interviewed. NONE OF THAT NEVER HAPPENED FOR ANY OF THESE INQUIRIES SO THEY NEED TO BE DELETED. According to the 15 U.S.C. 1692g ( B ), for a debt to be valid the original contract with my wet ink signature must be supplied to me showing proof of my original signature. This has not been done in any form within the allotted time According to the Gramm-Leach-Bliley Act, I have the right to deny any items from being reported on my credit reports. I know my rights and the fact that consumer reporting is completely optional. I never gave any agency my consent that ANY DEBT belonged to me. Pursuant to 12 USC 1431, banks are borrowers and legally cant give loans, so none of this debt belongs to me. You have violated United States Code Law 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) In general subject to subsection ( c ) I never gave you written consent to report anything on my consumer report. Since I never gave consent to have these items reporting, these items are false and misleading. 15 U.S.C 1681a ( b ) Any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device, anything authorized from my credit card should be excluded from my consumer report. I want everything listed below deleted from my credit report. According to 15 USC 1605 ( a ), any transaction that requires my social does in fact involve a finance charge, which is illegal because selling credit is against the LAW. You have violated my right to rescission by not disclosing that information to me pursuant 15 USC 1635 ( a ), 15 USC 1635 ( b ). 

After XXXX, the government agreed to assume all liabilities that arise under credit card transactions pursuant 18 USC 8, therefore all DEBT BELONGS TO THEM. The definition of a credit card as seen in 15 U.S.C 1602- Any CARD, PLATE, COUPON BOOK or other device existing for obtaining money, property, labor or services on credit. My social security card and license are credit cards under this definition. ANOTHER VIOLATION OF MY RIGHTS! Agencies were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate any debt. I DO NOT VALIDATE ANY OF THESE DEBTS! Pursuant 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I receive no benefits from any of the debts alleged belonging to me so therefore my credit card has unauthorized use by all of these companies! I DID NOT GIVE THEM ANY PERMISSION TO DO SO. According to 15 U.S.C 1692j and the fact that Im the original creditor, these items are furnished in a deceptive form. Therefore, if the following accounts arent removed you are CRIMINALLY AND CIVIALLY LIABLE ( 15 USC 1611, 15 USC 1640 )!

Also deletion is admittance of guilt. You've deleted all of the prior disputes because you were in violation of the law.

Under 15 U.S. Code 1692k - Civil liability I DEMAND {$1000.00} USD for each violation, as you have caused severe damage to my character. ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. 

Below is your response, depicting accounts that you've recently deleted due to violations that you've committed. 

" Company responded XXXX Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : YOUR EQUIFAX CREDIT FILE IS CURRENTLY BLOCKED FOR PROMOTIONAL PURPOSES. INQUIRIES ARE A FACTUAL RECORD OF ALL COMPANIES THAT HAVE ACCESSED YOUR CREDIT FILE. IF YOU BELIEVE THE INQUIRIES WERE UNAUTHORIZED, PLEASE CONTACT THE COMPANIES DIRECTLY. PROMOTIONAL, ACCOUNT REVIEWED AND ACCOUNT MONITORED INQUIRIES REMAIN ON THE CREDIT FILE FOR 12 MONTHS AND ARE NOT SHARED WITH POTENTIAL CREDIT GRANTORS. PAID AS AGREED ACCOUNTS THAT HAVE BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED XXXX YEARS FROM THE REPORTED DATE. PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE. THE ADDITIONAL DISPUTED ITEMS ARE NOT CURRENTLY REPORTING ON THE CREDIT FILE. ID : Current Name EQUIFAX, XXXX XXXX XXXX, XXXX, UPDATE, XXXXXXXX XXXX XXXX XXXX INQUIRIES ARE NOT PROVIDED TO PROSPECTIVE CREDIT Trade : XXXX XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX THE BALANCE OF THIS ITEM HAS BEEN UPDATED. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, PAST DUE, ADDITIONAL INFORMATION NON REPORTING DISPUTES Trade : XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : NA THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : NA THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. IN REFERENCE TO YOUR QUESTION REGARDING INQUIRIES : INQUIRIES ARE A MATTER OF FACT AND ARE NOT ROUTINELY REMOVED FROM THE CREDIT FILE. THEY ARE A TRACKING RECORD AND A REQUIREMENT OF THE FAIR CREDIT REPORTING ACT. THEY MUST REMAIN ON THE FILE FOR XXXX YEARS FOR EMPLOYMENT PURPOSES AND XXXX YEAR FOR OTHER PURPOSES. HOWEVER, IT IS OUR POLICY TO RETAIN ALL INQUIRIES FOR XXXX YEARS. INQUIRIES ARE ALSO FOR THE CONSUMERS BENEFIT, AS YOU HAVE A RIGHT TO KNOW WHAT FIRMS HAVE ACCESSED YOUR CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on XXXX '' If my demands are not met this time I will move forward with my litigation. 
XXXX XXXX  SHALL be included due to the willful negligence among other violations.

Company response to consumer: Closed with explanation