Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: NJ
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:
First, according to the XXXX your company is defined and regulated as a financial institution under 15 U.S.C. 6804 ( a ) ( 1 ). Your company has shared my non-public personally identifiable financial information with a non affiliated third party without my consent without providing me the full disclosure informing me of my option to opt out which is unlawful. Without being given my prior consent your company has published negative, inaccurate and fraudulent information on my consumer report during the XXXX Pandemic which is unlawful pursuant to the FCRA, FDCPA and a violation of 15 U.S.C. 1681s-2. 


Further, I am aware that XXXX XXXX XXXX of the House Select Subcommittee on the Coronavirus Crisis has stated that the XXXX XXXX said it found evidence that the XXXX XXXX XXXX discarded disputes without investigation. For me this has proven to be true as your reinvestigation into my past disputes and my most recent has not corrected the inaccuracies furnished on my consumer report. I have disputed the inaccurate inquiry ( XXXX ) on XX/XX/2022 via CFPB. EQUIFAX responded XX/XX/2022 stating the inaccurate inquiry ( XXXX ) has been DELETED from my consumer report yet after reviewing my most recent report from XX/XX/2022, the inaccurate inquiry ( XXXX ) have not been deleted and are still being furnished on my consumer report. A copy of this dispute is attached to this notice. It is evident that EQUIFAX is not ensuring the accuracy of a consumer 's report and has demonstrated willful noncompliance for repeatedly failing to correct the inaccuracies on my consumer report. 


This notice is to advise you that as of XX/XX/2022 there REMAINS to be a fraudulent/unauthorized inquiry ( XXXX ) listed. As a reference, please see the below inquiry ( s ) : - XXXX XXXX - XX/XX/2022 - XXXX XXXX  - XX/XX/2022 I am once again hereby notifying you that I did not authorize any individual from the aforementioned companies to pull or review my consumer report on any of the dates listed. Additionally, I have not given EQUIFAX permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 


I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization XXXX. Proof that I personally initiated the inquiry. 



Either provide me strict documented proof or DELETE the items immediately. If you do not delete the inquiries in XXXX days I will take legal action to seek remedy for the violations committed against me. 


Please be advised it is your duty to accurately report information and as of XX/XX/2022 you are not doing that. I look forward to EQUIFAX resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a complaint against you with the Federal Trade Commission, my local Attorney General and in XXXX XXXX. 


Any man or woman having first hand knowledge of all the facts asserted herein and having absolute power and authority to rebut this notice must rebut with the rebutting partys own signature and endorsement, under the penalty of perjury and willing to testify, and executed as true, correct, and complete with positive proof attached. Absent positive proof any rebuttal shall be deemed null and void having no force or effect, thereby waiving any XXXX XXXX Banks immunities or defenses. 


I swear to all the information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct and accurate to the best of my ability and knowledge, so be it. 


Please send me a copy of my updated consumer report to my address on file once the inaccuracies are deleted. 


Thank you in advance for your cooperation. 


Please Note : There is no unauthorized third party involved in this correspondence. The notary public is being utilized only as a means to verify my Identity. I am sending this notice on behalf of myself, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation