Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
You are in violation of my rights under the FCRA and FDCPA. 

I HAVE ATTACHED MY LICENSE AND PROOF OF ADDRESS TO THIS COMPLAINT. 

Pursuant to 1692j of title 15, written by congress, it is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of OR in an attempt to collect a debt such consumer allegedly owes. The debt collectors of these accounts listed below were unable to provide proper validation of these alleged accounts to me, so how is your company reporting this to my consumer report? Since you have assumed the role of reporting this information to my consumer report without my consent, by law you are required to report accurate information to my consumer report, with regard to my confidentiality as a consumer. 

Please provide in detail the procedures that were used in order to validate NOT verify these alleged accounts. If you are unable to do so, these alleged accounts must be removed immediately, as under the Gramm-Leach-Bliley Act, 15 USC 6801, it is not only detrimental to me as a consumer, but an invasion of my privacy. The reporting of these unverified accounts are a defamation of character, and bears negatively on my reputation and mode of living as a consumer. It is unlaw to report any unverified information to my consumer report, as unverified information is identity theft and an act of constructive fraud. So these accounts must be removed immediately. Under the FCRA, and the Gramm-Leach-Blilely Act I have the right to opt out of any reporting of information to my credit report. As written by congress the failure to comply with the removal of these unverified accounts makes you liable under section 1692k of title 15 and 1681n of title 15.

So as a consumer I am demanding that the following accounts be removed within 4 business days after the receipt of this complaint. As by law notice is taken place at the receipt of this complaint. As a consumer I also do not consent to any of these accounts being put into dispute for any reason, as the violations said in this complaint are clear. If you fail to comply I will go to my Attorney General for further action. 

Please also do not try to contest this complaint by saying this was sent by a 3rd party or by someone else. You tried that when I initially contacted you directly and this is why I moved to file a complaint with the CFPB. I am consumer who knows their rights, and did not give any consent to these unverified accounts to be included in my consumer report, and I am opting out of the reporting of these unverified accounts. 

XXXX XXXX XXXX I XXXX UNIVERSITY XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I also attached a identity theft report because your company has stolen my identity, and I did not give your company any consent to include any of the unverified accounts above to my consumer report. NO CONSENT IS IDENTITY THEFT

Company response to consumer: Closed with explanation