Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: AZ
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 don't owe this debt, that's not me, that's not my debt because public law 73-10 says all debts private and public are paid for. 

I've contacted Equifax a number of times explaining to them that what's on my consumer report is inaccurate and incorrect. And then I asked them if they have received my letter, Equifax begin to tell me that they couldn't see what my letter was saying and that I should tell them what's on my letter for them to help. I preceded to tell them that they must read my letter and answer my letter by law and that they have to follow the law. They begin to act really unprofessional and begin to laugh and chuckle like I was some kind of nut job. I told Equifax that they're breaking the law by violating my rights. According to 15 US code 1692 ( g ) FDCPA Validation of debt, Equifax did not validate that the debt that they are reporting is Validated. Equifax must understand that they can't get information from the furnisher of the debt and that they must conduct an investigation like the FBI, and the Police do with neighbors, loved ones, etc. Equifax preceded to Violate my right to privacy 15 US code 6821, According to 15 US code 1681b Permissible Purposes, Equifax or the creditor didn't get written exclusive permission from me to report anything on my consumer report. Then again in 15 US code 1681a ( 2 ) ( Exclusions ) The credit reporting agency violated this because in the law its very clear to the things that you aren't supposed to put on a consumer report. I told Equifax that there is information that is on my consumer report that is resulting of Identity theft. I didn't provide written permission or instructions for the identified transactions to be reported on my consumer report. I said, I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. I informed Equifax ; you are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of the notice. Equifax failed to comply with the law. 15 US code 1681 ( n ) Civil liability of willful noncompliance, any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. Of all these violations 15 US code 6823 Criminal penalty should apply, because I told Equifax that there violating my rights in my letter that they didn't even read. I called Equifax and asked them if they were going to look at it and they told me that they couldn't see what my letter said I would love for this to be rectified immediately These accounts shows that Equifax didnt take the proper steps to make sure that my consumer report was investigated fair and accurate. If they can open up two investigations at the same time to play games, and for that reason, Im entitled to be compensated based on my rights being violated and Equifax professionalism is kind of at a XXXX and they dont seem to care about protecting the consumer rights. The way that I was treated when I called in for MY consumer report is unacceptable, and I want these Accounts removed or XXXX dollars per violation 2 Investigations were stated : On XX/XX/2022, Equifax started an investigation, and it was completed on XX/XX/2022 Confirmation number : XXXX On XX/XX/2022, Equifax started an investigation, and is will be completed on XX/XX/2022 Confirmation number : XXXX

Company response to consumer: Closed with explanation