Consumer complaint received 2022-07-29
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:
As you can see in complaint XXXX Equifax wants to continue to yell at the consumers when we are very specific in what we are requesting. They repeatedly keep checking my consumer report and have not been given permission to do so, however Equifax didn't address the issues and a specific resolution was provided. This complaint is from the my denial for the DATA FURNISHER PROGRAM FOR no reason. AGAIN, For exercising my right per 15 USC 1691 a ( 3 ) and filing previous complaints to Consumer finance regarding an erroneous account on my consumer report that is XXXX years old ( dept of edu and XXXX which they still have not been deleted ) which this account has been removed and inserted on my account since XXXX, and we all know re-aging is illegal. As you can see in consumer complaint # XXXX Equifax refused to take fault in erroneous reporting and instead just deleted the inaccurate information and not the acct, even though I have several previous credit reports showing different reporting information regarding this same account since XXXX on a 36 months term account. This account has been deleted and reinserted back on my account several times, so I complained again, and informed them, that replacing blank data in place of the incorrect data is not considered accurate data, and re-aging is illegal. Not to mention that this account is reported as a charge off and a collection and we know per law, 1099 income and debt can not be continuing to be reported as a charge off AND a collection, neither one of the statuses were accurate, so I submitted another complaint. Instead the respondent was yelling and refused to remove the account as you can see the tone in the response in the complaint # XXXX. These complaints have caused me to be retaliated and discriminated against and denied participating in Equifax Data Contributor program. Since then, my personal credit score has decreased XXXX points as well and I havent been late on anything in 3 years, but its being reported as a receipt delinquent account. Since then, Equifax refused to respond to my application for the XXXX XXXX program and after not responding to 4 emails, I had to call in and complain and I then received an email response the following day of a denial with no explanation. I never received a call as advertised that a consumer will receive after applying for questions or for clarity. No investigation was performed, and no denial reason was given but indicated several statements of their reputation. What does reputation have to do with a denial? I also requested an appeal process and never received a response. This is clearly discriminatory and retaliation. The retaliation, discriminatory and bias treatment was from me filing previous complaints to Consumer Finance regarding the reporting that has caused me great damages. I consistently asked why was I denied as a data contributor and gave them a chance to fix this error before this complaint and they still refused to give me a reason for denial, which also doesnt give me the opportunity to correct any issue to ever qualify for the program. The discrimination allegations were after I did my due diligence to see that all consumers that qualified for the data contributor program were 99.99 % all XXXX consumers. Now the reputation statement of the denial made more sense but its clear it wasnt due to Equifax data breach that millions were apart of. I have paid for marketing, and re-construction of my website to implement the requirements that will be completed in 3 days. The program requirements are public and nowhere is it indicated that if you meet all criteria that the decision is based off the discretion of the company and you can not get the reason of the denial. Also, I want to know what can a person see on an application that can automatically deny them with no communication if all credentials are correct? The closest I received to a reason its Equifax said due to its reputation, I did not qualify. What would be the point of listing public requirements if the ultimate decision is based from the companys private decision? This is clearly a cover up to discriminate against consumers. How can a company be regulated by FCRA, CARES Act, FCRA, and ECOA and deny people of a program that goes against the laws and human rights? The treatment has been so bad that. Ive sent several emails and will not even get a reply. This is unacceptable, and as you can see on my previous Consumer complaint numbers Equifax refused to take fault in erroneous reporting and delete the account and now is trying to make me suffer because I exercised my rights. I qualified for the trade program and met all criteria as similar consumers with different nationalities and have been denied because of my skin color/race and exercising my rights. I am seeking the protection from 15 USC 1691 a ( 3 ), and the Civil Rights Act and This law requires both public and private businesses to provide individuals full and equal accommodations, advantages, facilities, privileges or services. I have kept all correspondence and proof of my statements because this treatment need to be publicly recognized by the consumers like me and the legal system that regulate these companies that are going against the law but are giving the right for decision making over consumers like me. Nowhere in FCRA, does it give Equifax the right to determine who can or can not be a data furnisher over a consumers data. Consumer requirements is to follow the laws implemented by the above agencies. I have attached other consumers that were approved, to show you that its clear this is discrimination and retaliation. If I am not eligible, I have the right to know why I wasnt eligible so therefore correction can be made. It should not be no special or different requirements for me than any other consumer. The solution is, I want is to be approved to be a data furnisher as the XXXX consumers. Attached is my proof of a few non-financial data furnishers consumers and the only difference from me and them is the XXXX of my skin and race. This company was also approved by XXXX.Let me give you more insight. XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and has been incorporated since XX/XX/XXXX and is a t-shirt design and accessories company. Now how can an online T-shirt company be approved to be a data furnisher for businesses, and our company are strictly for business services and in a high-rise corporate building with security that has been in business longer? But Equifax is talking about reputation?

Company response to consumer: Closed with explanation