Consumer complaint received 2021-12-17
Company: EQUIFAX, INC.
State: GA
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:
Both the XXXX XXXX XXXX and XXXX XXXX XXXX claims are disputed as inaccurate reporting. 

After filing complaints on XXXX on XX/XX/21, XXXX on XX/XX/21, and XXXX on XX/XX/21 respectively with the CFPB, your company systematically respond with assertions where your Consumer Reporting Agency has no legal bounds and XXXX on a civil liability for violating my Fair Credit Reporting Act Rights. 

You responded in all instances by adding the consumer disputes status on my credit profile and that you are investigating or have investigated with the reporting agency. 
First, Under 15 USC 1681b you do not have permissible purpose from me under my FCRA rights to furnish either the 30 day late reporting for XXXX XXXX XXXX or the XXXX XXXX XXXX on my consumer report. The Law is clear. 
( a ) IN GENERAL Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Second, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) EXCLUDES all transactions or experiences between the consumer and the person making the report from the credit report of the consumer. THE LAW IS CLEAR BELOW, 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report; Finally, while you have systematically responded by affirming that both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have both verified the accuracy of the accounts. The Law clearly states by definition that investigation on a consumer reports according to 15 USC 1681a ( 3 ) ( c ) ( e ) is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on. THE LAW IS CLEAR BELOW, ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Your Failure to respond satisfactorily with deletion of the above referenced accounts and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] I also hereby reserve my right to take private civil action against you to recover damages.

Company response to consumer: Closed with explanation