Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

Under the authority of 12 CFR 1022- FCRA I hereby invoke my RIGHTS to privacy and seek monetary relief for violations of my privacy RIGHTS. I hereby appoint the CFPB and the FTC to investigate all violations of federal and state law in regards to this matter. 

Parties Involved XXXX XXXX - Plaintiff Equifax - Defendant Statement of Facts : Identity theft - means a fraud committed or attempted using the identifying information of another person without authority. I am a victim of the Equifax Breach and am currently experiencing the affects of that breach.

o Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

o ( To date I have never given Equifax a written permission to sell/ furnish my private personal and financial information to third parties or requesters. Nor have i signed any agreement with a requester to obtain my credit file. ) The term pre-existing business relationship means a relationship between a person, or a person 's licensed agent, and a consumer based on : o ( A ) A financial contract between the person and the consumer which is in force on the date on which the consumer is sent a solicitation o ( B ) The purchase, rental, or lease by the consumer of the person 's goods or services, or a financial transaction.

o ( I do not have nor have I ever had a pre-existing business relationship with Equifax in any capcity. ) Identifying information means any name or number that may be used, alone or in conjunction with any other information, to identify a specific person, including any : ( 1 ) Name, social security number, date of birth, official state or government issued driver 's license or identification number.

o ( I hereby request that only this type of personal information be allowed to be displayed on my credit file. Incorrect spellings of my name should be removed, only the last four digits of my social is to be viewable, old un-mailable addresses and all phone numbers are to be removed. ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : o ( i ) Determined that the application of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.

o ( To date my reputation, and character has been damaged and I have been denied access to my credit and being able to get financial assistance to pay my bills because of these violations. ) Appropriate proof of identity.

Consumer reporting agencies shall develop and implement reasonable requirements for what information consumers shall provide to constitute proof of identity for purposes of sections 605A, 605B, and 609 ( a ) ( 1 ) of the FCRA. In developing these requirements, the consumer reporting agencies must : o Ensure that the information is sufficient to enable the consumer reporting agency to match consumers with their files ; and o Adjust the information to be commensurate with an identifiable risk of harm arising from misidentifying the consumer o ( To date Equifax has never reached out to me in order to verify my identity before allowing companies to report invalid and inaccurate information on me. ) The term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

o I have never received a letter stating what company is attempting to report the information before it is allowed. All accounts that are negatively reporting in nature are to be removed expeditiously ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

o ( Equifax has never contacted nor attempted to contact anyone i know personally to investigate any information being reported on me ) JURISDICTION AND VENUE The CFPB and the FTC has subject-matter jurisdiction over this action because the action is brought under Federal consumer financial law.