Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: TX
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:
This is my 3rd and final time before I seek legal action. 



XX/XX/XXXX To Whom It May Concern : I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish and insist that you comply with the law by providing the requested information within the 30 days allowed. 

As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. 

In accordance and pursuant to the Federal Credit Reporting Act 15 USC 1692 b I didnt give the collection agency written permission 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without written consent/permissible permission. 

XXXX, Equifax, and XXXX have violated both of my rights by furnishing the following accounts with errors. 


XXXX Original creditor : XXXX XXXX XXXX {$1100.00} Balance updated XX/XX/XXXX XXXX XXXX  Original creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  {$1100.00} Balance updated XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX$480.00} Balance updated XX/XX/XXXX According to The Ninth Circuit, in Pintos v. Pacific Creditors Association ( 9th Cir XXXX ) 504 F.3d 792 it decided that without a permissible purpose one is in violation of 15 U.S.C. Section 1681b. Based on this decision, it appears that your agency is in violation of reporting inaccurate information on my Consumer Report of the below companies. 
As the court interpreted and based on what has been done in my case, FACTA clearly states that one only has a permissible purpose for obtaining a credit report under 1681b ( a ) ( 3 ) ( A ) and when it is only in connection to a credit transaction in which a consumer has participated directly and voluntarily. I DID NOT DIRECTLY AND VOLUNTARILY SEEK CREDIT WITH THE FOLLOWING COMPANIES and they DID NOT HAVE A PERMISSIBLE PURPOSE. 

I HAVE SENT A PERMISSIBLE PURPOSE LETTER TO EACH OF THE CREDITORS LISTED BELOW IN PURSUANT OF the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] and each one listed as well as you are in danger of {$1000.00} per error because I did not give permission to obtain my consumer report. You are to immediately remove and block each one of these unless I am contacted and give the permission to pull my Consumer report at that time. 
XXXX XXXX XXXX  other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX  other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Removal date : XXXX XXXX

Company response to consumer: Closed with explanation