Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: AR
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:
I, XXXX XXXX, a NATURAL PERSON and Consumer rights have been violated by Equifax. Equifax has violate 15 USC 1681a ( 3 ), 15 USC 1681a ( 4 ), 15 USC 1681b, and 15 USC 1681b ( 2 ).

15 USC 1681a : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681b : ( 2 ) Disclosure to consumer ( A ) In generalExcept as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

( B ) Application by mail, telephone, computer, or other similar meansIf a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

You assumed this role and you never had my CONSENT and you were unfair, partial, and respect my right to privacy.

I want the accounts removed from my CONSUMER reports : Account Name and Number XXXX XXXX  XXXX XXXX, Account Name and Number XXXX  XXXX, Account Name and Number XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Account Name and Number XXXX XXXX  XXXX, Account Name and Number XXXX XXXX XXXXXXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX  XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX  XXXX, Account Name and Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX, XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX, XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXXXXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX XXXX. I want this address XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX removed.

Company response to consumer: Closed with explanation