Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax has stated to me in writing via the CFPB portal that they have verified that the following disputed items belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they did not address ANY of my concerns or the violations that I brought to their attention. I am not confident that an actual investigation took place. They have not altered or changed anything on my report, nor was I mailed a copy of my report once their alleged investigation was complete. Equifax never addressed that they have received more than XXXX of my disputes, via certified mail, and have never responded to me. They did not follow the rules and procedures upon receiving a dispute by a consumer, which is obviously a violation of 15 U.S. Code 1681i. That by itself is grounds for deleting the disputed information! But wait, theres more. The disputed items, which I have good reason to believe to to be inaccurate, was never blocked from reporting upon Equifax receiving my dispute, -which is a violation of 15 U.S. Code 1681s2. Equifax also never addressed that the following financial institutions never provided me with clear and conspicuous notice, informing me that I have the right to opt out of reporting : XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I was never given disclosure or a choice and this is a clear violation of 15 U.S. Code 6802. Equifax also never addressed that my right to privacy is being violated and that my private, nonpublic information is being shared to nonaffiliated third parties such Equifax, and others. This are violations of 15 U.S. Code 6801 and 15 U.S. Code 6802. Furthermore, HOW is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX able to furnish information onto my credit report?? How did they obtain my social security number and other nonpublic information?? Equifax also did not address this matter! No consent means identity theft! None of the items disputed as identity theft were blocked within four days according to 15 U.S. Code 1681c2 ( a ). Under 15 U.S. Code 1681, Congress sates that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax is not insuring that my right to privacy is being respected! And lastly, 15 U.S. Code 1681 ( 2 ) states that transactional information, or experiences, between the consumer and the furnisher are to excluded from consumer reporting. That means that NONE of these items should be reporting! So if Equifax is stating that this information is " verified '', please have them provide me with the proof they received to make this decision, such as physical and original documentation baring my unique signature. I do not consent to E-Oscar verifications, at any point in time. Furthermore, how are you, the CFPB, allowing Equifax to report this information when I have clearly shown the laws that were broken? I may have to seek legal council because it is obvious what is happening here and I am being injured daily by the information that Equifax 's is reporting. Please delete the information!

Company response to consumer: Closed with explanation