Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX, never gave Equifax any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute.. 

I have not given Equifax permission to access my credit profile and Equifax have no permissible purpose by law to contact third parties with my private or personal information. Equifax offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. Equifax have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 


Equifax also DO NOT have any permissible purpose to furnish my personal information to any third party. 

15 USC 1681b Permissible purpose of consumer reports 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. 


As a consumer, I am demanding a deletion of the following account. As of this moment, Equifax have NOT done their duty mandated under the law. Equifax inaction in this matter is inexcusable, and their disregard for the law is contemptible. Rest assured, I will hold them accountable. I did not have to go this far with the other bureaus because BOTH XXXX and XXXX have complied with the law and have REMOVED this account from my reports permanently months ago. XXXX removed this account XX/XX/XXXX and XXXX deleted this account XX/XX/XXXX. I also will attach proof of these deletions in this complaint. So Equifax also is in violation of Metro-2 compliance because Equifax is the only bureau that is deciding to report this inaccurate information after it had already been deleted previously. Just for the record, the following information is being erroneously included on my credit report, as I have advised you on several separate occasions. 


1. The following account is NOT MINE XXXX Account number : XXXX Please remove it from my credit report. 


This account which is not metro 2 compliant should have been deleted for not following the industry standard required to maintain maximum possible accuracy. Accounts SHOULD BE BOTH 100 % ACCURATE AND COMPLETE but ARE NOT ACCURATE AND COMPLETE. This has been an utter failure to follow your reasonable procedures required by 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) and ( ii ). 

I have all the proof that I need to take you to court and win as, by law, you are not allowed to report this information as you have been, especially for a debt that is NOT MINE. Therefore, I have every right to take you to court to seek damages for what you have put me through. However, it would be more beneficial to me to have this account removed sooner than later and thus, the reason for me giving Equifax, literally, ONE MORE CHANCE to do the right thing and resolve this matter outside of court, saving you more than approximately {$10000.00}.

Company response to consumer: Closed with explanation