Consumer complaint received 2024-07-26
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXs agency is in violations of several federal laws set forth by congress in regards to account # XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is a corporation, which is under the laws of Contracts. The agency must uphold the laws of God, the united states of America Constitution, California Constitutions and the policies of the Securities Act of XXXX. I, XXXX XXXX of the family XXXX, the son of God made in his image and likeness, with Beneficial Ownership and acting as Trust Protector over XXXX XXXX XXXX XXXX, did not on any date or time contract or willingly contract with XXXX XXXX XXXXXXXX XXXX has no promissory note or legally binding contract with Defendant, there has never been any acceptance or wet ink signature to perform any obligation in a contract. I never received a discovery or burden of proof pursuant to 15 USC 78cc. Additionally XXXX XXXXXXXX is monopolizing on the trade name XXXX XXXX XXXX, which they were never given consent by me to use intellectual property to create any securities, which is a violation of 15 USC 1 and 15 USC 2. 

XXXX XXXX is also in violation of the FCRA by reporting inaccurate information to my consumer report. XXXX has acknowledged this in their very own public statement in their Important Notice letter stating, Credit Reports for collection of delinquent child support, Judgments, fines and liens may no longer be permitted. ( See Attachment ) 15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. it continues to state in section ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. As mentioned in the last statement, pursuant to 15 USC 1681b Consumer reporting agencies ( EQUIFAX, XXXX, XXXX ) 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.

Neither one of the consumer reporting agency have written instructions nor permissible purpose from the consumer ( me ) to furnish this account. Additionally, 15 USC 1681a ( 2 ) ( i ) states, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer ( myself ) and the person making the report ( XXXX XXXX XXXX XXXX XXXX ). I have a right to privacy and per the Privacy Act of XXXX, as a federally protected consumer, I am now revoking any and all authorization I, the consumer may have given you written, non written, verbal, non verbal per 5 USC 552a. Per the FCRA as a federally protected consumer, I am now revoking any and all authorization I, the consumer may have given you written, non written, verbal, non verbal per 15 USC 6802. I shall also point out their responsibility pursuant to 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) ; ( a ) DUTY OF FURNISHER OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices that specific information is inaccurate : and ( ii ) the information is in fact, inaccurate. 

Lastly, Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 
These cases note that certain definitions were added to the FCRA as part of the XXXX amendments ( FACT Act. ) In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection with a credit transaction. 

The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impoundment of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report.