Consumer complaint received 2019-10-20
Company: EQUIFAX, INC.
State: WI
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:
During the Afternoon, on XX/XX/2019 I called Equifax Consumer Department at XXXX in direct regards to the Serious Issues, concerns & violations of the several laws listed under the Fair Debt Collection Practices Act & Truth In Lending Act and as well as to raise my complaints/concerns with these persons involved, as a consumer, pursuant to Title 15 U.S.C 1692a ( 3 ) & Title 15 U.S.C 1692a ( 4 ).

The violations Ive noted below, were spoken/communicated to persons involved, of which the woman representative by the end of the HOUR long Phone call, at Equifax stated I was correct and needed to pursue legal action among other options of remedy against all parties involved in this fraud. To be honest there are several obvious serious violations and this is particularly concerning to myself, wife, family & household, and we strongly feel this is criminal at its best & are now are having anxieties, & issues arise now because of these facts especially when discussing how the family can move forward safely. Equifax, Inc et, al, willfully, knowingly, & intentionally and other persons involved violated the following ; Title 15 U.S.C 1681 Section 616 for Willful non-compliance with the requirements of the Fair Credit Reporting Act, Title 15 U.S.C 1692a ( 6 ), Title 15 U.S.C 1692c ( a ), Title 15 U.S.C 1692d ( 1 ), Title 15 U.S.C 1692d ( 2 ), Title 15 U.S.C 1692e, Title 15 U.S.C 1692e ( 2 ) ( A ), Title 15 U.S.C 1692e ( 9 ) Title 15 U.S.C 1692j ( A ) ( B ), IDENTITY THEFT for obtaining personal identification information without PRIOR consent and CREATING an account in my name without my knowledge.

The representative gave the follow statement & actions : obtain following Copy of consumer Complaint/Legal Item/or Police Report Copy of Personal Identification [ ID ] / Drivers License Copy of Residency Papers [ Address ] & a Letter Request, in regards to the Account that's being disputed & the accuracy or inaccuracy on my Credit Profile.

Mail or Fax This is not acceptable, as per exactly what is stated in the Title, the law states very clearly the procedure, and prohibitions. Pursuant to Title 15 U.S.C 1692K ( A-1 ) ( 2-A ) & 15 U.S.C 1601 et, al.

Upon hanging up the 52 minute 34 second call, I finally Logged on to Equifax for the 1st time ever, [ another reason why I called Equifax Consumer department, to inquire how do I have a account open, & was unable access it, if I NEVER personally, willfully, knowingly, & intentionally opened/registered/viewed the Initial Account ( thats Identity Theft ). But it doesnt end there. Oh no, then upon logging in, i view my Credit Profile, and on the Inquiry page it clearly shows EQUIFAX inquiring/accessing/adding/reporting on to my Credit Profile 3 times within that 1 hour, which mind you is the Exact same reasons as to why I called initially, The Violations per the Title ( s ) listed above & to ultimately resolve this entire matter and set my Credit Profile/ Credit Standing/ consumer enforcement & verbal/written instructions concerning a remedy for these trespasses.

Company response to consumer: Closed with explanation