Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MI)

To Whom It May Concern, As a consumer, I insist on being fully informed of the meticulous measures your agency undertook to ensure the absolute accuracy of these items by 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. Per the mandate under paragraph 15 USC ( 6 ) ( B ) ( iii ), it is imperative that a consumer reporting agency furnishes the consumer with a detailed account of the assessment process employed to ascertain the correctness and entirety of the information. This account should include the name and address of any information provider consulted regarding said information, along with their contact number, if reasonably ascertainable. This account must be provided to the consumer within 15 days from the receipt of the consumer 's request for such elucidation. I have previously notified your establishment of my status as a victim of Data Breach/ Identity Theft, and have also lodged a report with the Federal Trade Commission , a copy of which is enclosed herewith. I have STRONGLY DEMANDED that all information about me be promptly blocked and expunged from my credit report, with an updated version thereof to be immediately furnished to me. However, much to my dismay, said items continue to feature on my credit report. I implore you to address this grave oversight as soon as possible. Furthermore, it is imperative to note that as per 15 USC 1681c-2 c ( a ), the credit reporting agency is mandated to block and erase any information alleged to be associated with identity theft within 4 business days of receiving a formal complaint, including the details provided herewith. Additionally, I request the transmission of the particulars used to corroborate the validity of the invalidated items mentioned below. I previously contacted your company to inform you that I am a victim of a Data Breach/ Identity Theft. I also contacted the Federal Trade Commission and filed an FTC Report which is attached. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - " You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, XXXX XXXX XXXX XXXX, and the Federal Trade Commission. Your immediate attention to this matter is expected. ''