Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

WHAT HAPPENED : I sent a letter to opt out of consumer reporting to the following persons : XXXX XXXX, on XX/XX/year>. My actions were done in good faith under 15 USC 1681 b and 15 USC 1681 c to have XXXX XXXX cease from reporting any and all information on my consumer report profiles. Your Credit Bureau is fully knowledgeable of this action due to previous CFPB complaints filed about the accounts listed below. This letter was a cease-and-desist notice to stop and rescind all written, verbal, and non-verbal communication that allowed XXXX XXXX to furnish and report confidential information on my consumer report. XXXX XXXX has not taken any action to rectify this matter. Thus, XXXX XXXX has willfully committed Identity Theft. This act of willful non-compliance is a crime. I request that every account listed in this report is removed from my consumer profiles immediately. I sent an affadavit of suretyship pursuant to XXXX U.S. Code, Title 15, Chapter 41, Subchapter III 1681c-2 ( a ) letter to opt out of consumer reporting to Equifax and XXXX notarized on XX/XX/year>, and sent XX/XX/year> and delivered to Equifax on XX/XX/year>, XXXX am and XXXX on XX/XX/year>, XXXX. As Equifax and XXXX have not performed on their obligations, This act of willful non-compliance is a crime, and XXXX and Equifax have committed Identity Theft. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIOLATIONS It is unreasonable, unfair, and unequitable to the consumer with regard to breaching confidentiality, accuracy, relevancy, and proper use of such information in accordance with 15 Code 1681 ( b ) ( Permissible Purpose of Consumer reports ) for any person to continue reporting my private confidential identifying information without my consent.

15 US code 1681 ( c ) No adverse item besides the conviction of crimes should be in my report. Any item that is a derogatory mark is not allowed into consumer reports, this is another violation.

As such, an adverse item outside of a crime conviction such as a closed account, late payment, or collections, should never be reported in my consumer report as this is a violation of my rights under 15 US code 1681 ( c ). 
In addition, I provided written notice of my withdrawn consent to information disclosures by providing an opt out letter on XX/XX/XXXX XXXX XXXX to opt out of reporting my confidential information before such information was willfully reported. Thus, the reporting of this information was against my written consent and is a violation of my consumer rights and therefore unlawful according to U.S. Code 15 6802 Obligations with respect to disclosure of personal information. 
Identity Theft : means a fraud committed or attempted using the identifying information of another person without authorization. 
ANYTHING added to my consumer report without my written consent is considered IDENTITY Theft. As I have notified the person that I opt out and withdraw my consent to data furnishing and reporting of my personal data and/or private information it is a violation of my rights to continue reporting this information. The improper use of my identifying information to another person without my authorization is a crime violation according to 12 CFR 1022.3.

With 15 US Code 1681 ( n ) : Civil liability for willful noncompliance currently in effect for the protection and betterment of the people of our Great Country the United States of America, please keep in mind that there is no excuse for performing unlawful actions. Negligence of the law does not absolve the liability of any person of the enforceable consequences of their unlawful actions. Thus, they are still responsible for their actions. 
This is a formal notice that I have opted out on XX/XX/year> and that I am opting out of all future data reporting from XXXX XXXX. This is a formal notice of my affadavit of suretyship to reserve all of my rights under the Fair Credit Reporting Act, and that I withdraw my consent to all unreasonable, unlawful, irrelevant, unfair, unequitable, and improper use of my data or data reporting by XXXX and Equifax. I do not authorize the improper use of my identifying information to another person.