Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: FL
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:
In a recent report numbered XXXX EQUIFAX agreed to be held willfully and knowingly in noncompliance for the negligent actions their VOLUNTARY reporting system has had on my person. 
Fact, Equifax assumed the role in reporting of my information without prior authorization, permission, permissible reasoning or asking if it was okay to me being the consumer. 
Fact, reporting is voluntary. 

With this knowledge I had asked Equifax to remove all hard inquiries and accounts they had on my reports and fix my score that they have kept in the low 500s. 

Fact, Equifax has been suppressing my score as it has remained unchanged and scored in the low 500s since the beginning of their reporting. 
Fact, Equifax has caused me severe and direct harm in doing so as I have been denied several of credit opportunities including a mortgage and car loan. 
Fact, Equifax is indirectly and directly liable because I now have to accept inconvenient and uncomfortable living conditions for that of my family and I. These conditions included unsafe and hazardous conditions such as having to be a victim of a crime because of the crime rate in the area, having to witness inappropriate behavior and actions such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX, having to witness a XXXX XXXX XXXX XXXX for over 15 minutes and having to explain these things to children due to denial of a mortgage in which I had the right to have. 

Included are the results of disputes in which investigators never did contact me to verify or validate any information and investigation processes were never shared with me, as the consumer. 
Fact, Equifax continues to share the suppressed score with countless of companies without my permission in violation of 15 usc ch 94 sub ch 1-2 and failed to provide disclosures and a way to opt out of this sharing of information to third parties. 
Fact, it is against Equifaxs own privacy policy to share and report especially to third parties without permission from the consumer as well as without providing appropriate out opt documentation and remedy Fact, Equifax once again denied me my right to privacy and failed to be granted my consent. 
Fact, Equifax failed to removed the items, in one report it shows removed while another it is suppressed but still showing. They willfully did not comply and are now criminally and civilly liable for these actions under 15 usc 1692k and 15 usc 1681m, n, and o. 
The law states that of the cfpb were to persue charges for me the violations would incur a fee of {$2500.00} per violation thus splitting the payments with me the consumer {$1500.00} and {$1000.00} would be paid to the cfpb. 
If Equifax decided to pay me without investigations, and suits they would only have to pay {$1000.00} to me directly. 

I am requesting to be compensated based on law for the violations listed above per account reported against my will, I am also seeking damages for the above denials of credit and both indirect and direct harm this company has caused me. 

If EQUIFAX wishes to deny these remedies they MUST give the reasoning on why they believe they have the authority and ability to deny me my rights with the quoted laws on both the public and private side.

Company response to consumer: Closed with explanation