Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

Hello CFPB, I will be mailing certified and notarized copies of this document to Equifax and CFPB. Unfortunately, I work a XXXX schedule and rotate XXXX hour shift nights and days so I have been drafting these documents. My time zone is MST and I am hoping to have this out by XX/XX/year>. 

Equifax Information Services LLC, I sent you an electronic dispute requesting that you remove inaccurate/complete items from my credit report. But I am very disappointed to discover that the disputed information still exists on my report. 
I demand a formal description of the procedure adopted by you to verify each claim. I would also like to know the names of the businesses, the addresses, and phone numbers of all the entities/people who were contacted during the verification process. Under the Fair Credit Reporting Act, I have the right to be informed about all these details. 
I request that you comply with the law and furnish me with all the required information that I am seeking, within a period of 15 business days or remove this from this notice. Additionally, I have filed a CFPB complaint # PENDING that will be associated with this notice as well, Then I will be following up with FTC to submit a complaint against Equifax Information Services LLC and The CCS Companies ( Data Furnisher ). 
I have also filed a XXXX and CFPB complaint with XXXX XXXX XXXX and will proceed with reporting fraud to the FTC for false and inaccurate reporting if I do not receive satisfactory response. I do not have an agreement or contact with XXXX XXXX XXXX and per 15 U.S. Code 6802, 18 U.S. Code 1028, 15 U.S. Code 1681 q, 15 U.S. Code 1681b, 15 U.S. Code 1681e, 15 U.S. Code 1681v and 15 U.S. Code 1681n. I am excited to receive the fully detailed processed which Equifax Information Services LLC utilized to furnish this information or I will assume willful noncompliance from Equifax Information Services LLC to provide substantial information per congress. I will at this point go into EXTREME details to quantify this, and it will include : full detailed audit of website usability, user options per the law for disputes, accessibility based on up/down time and packet loss, mal-intended website both mobile XXXX, XXXX designed for confusion, lack of support from employees and associated managers with supporting recorded evidence. It is criminal liability for willful and knowing violation. Speaking of, my account has been confirmed breached after the Equifax Information Services LLC XXXX XXXX determined by federal regulation for misuse of customer information and other references where Equifax Information Services LLC has continued to prove examples of willful negligence. I have not filed for civil restitution for that data breach to allow the consumer reporting agencies to address my concerns. Unfortunately, Equifax has not proved themselves over the last couple of years to review the accounts then wonder to ask themselves where they obtained the information and what is permissive per congress based on the available furnished data which is technically illegally obtained. Equifax in fact has created it extremely difficult to access their full credit report without going to a different vendor. Even through third party vendors I was unsuccessful with saving the information locally. I have accepted multiple loans to grow my business and my personal life where I had mortgage high rates in escrow which resulted in failure to complete the deal. I am realizing the damages from the illegal data furnishing happening right in front of my eyes which is still within statute accrued from high interest vehicle loans and access to affordable credit which all weaves into usury laws. Congress also defines this as a form of identity theft unless there is a specific contract with my written consent. Considering Equifax Information Services LLC has already had the FTC and the CFPB exuberate my points listed here you continue you fail to identify mistakes that are clear. 
So finally, I am submitting my request to expedite the verification procedure and look forward to hearing from you. I will be attaching this document to the CFPB case file and sending them a certified copy also. Below you will find the information regarding the account in question along with screenshots from the credit pull and from my.equifax.com. 


Federal Case References : XXXX XXXX, XXXX,