Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: VA
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:
To whom this may concern, Im writing this matter myself without the help of any third party. I hereby now will go forward with my dispute. In accordance with the Fair Credit Reporting act. The list of creditors below are violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX  Account # : XXXX, are violating my rights. XXXX XXXX. Account # : XXXX violating my rights. XXXX XXXX Account # : XXXX, are violating my rights. XXXX  XXXX XXXXThe creditors as well as the credit reporting agencies ( EQUIFAX, XXXX XXXX, and XXXX ) are violating my fourth amendment right. I should be protected and secure within my papers and I have not been with a reason being my personal information is being reported to consumer reporting agencies without my written consent. I aint secure within my papers and that is a violation of the fourth amendment right. Further, 15 U.S. Code 1681 section 602 A of the Fair Credit Reporting Act states I have my right to privacy. I am being taking advantage of in which I highly feel that the listed creditors as well as the credit reporting agencies are conspiring against my rights to injure me as I am currently injured due to my right to privacy being breached. I am being deprived of my rights and I am being treated very unjust. The creditors that i have listed did not have lawful authority to transfer my social security number amongst the credit reporting agencies listed ( EQUIFAX, XXXX XXXX, and XXXX ). 15 U.S. Code 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. The above listed creditors and the above listed credit reporting agencies are committing aggravated identity theft and can face imprisonment for what they are and doing and have done to me as I did NOT authorize, nor give permission, nor did I provide any written consent to any persons to furnish such accounts. 15 U.S. Code 1681c ( a ) ( 5 ) states very clear that no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. My consumer report by law shall not contain any of the listed accounts that I have listed above. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I notified the listed creditors prior to doing this complaint to let each person know their reporting is in-fact incomplete, inaccurate, and non-verifiable. I demand that these accounts to be deleted immediately or I will file litigation for the injury and emotional anguish this matter is causing me. Thank you for your attention to this matter, I assure you will not discriminate.

Company response to consumer: Closed with explanation