Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I have not initiated any transaction with COMPANY NAME LISTED ON PAGE BELOW. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ANY COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses
shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

According to FCRA & FDCPA Debt Collector Violations falsely representing or implying that the debt collector is vouched for, bonded by, or affiliated with the United States or any State ( including the use of symbols, badges and logos. The false representation that the communication is from an attorney ( including the use of fake court papers or language that could be constructed as legal advice. ) Failure to honor a cease and desist notice by continuing further communications requested to cease by the consumer ( exceptions include the debt collector advising the consumer that collection attempts are being terminated, or the debt collector intends to use other specified remedies ordinarily used in the course of their business to collect the debt, i.e. a lawsuit. 

Using symbols, logos, or language on the outside of an envelope that indicates an attempt to collect a debt account past due final notice! 
Calling before XXXX or after XXXX ( unless another time is known to be convenient and the debt collector is notified by phone or through the mail. 
Failing to disclose the callers identity ( including the use of a false alias which prohibits the employer from identifying the caller, failing to disclose the identity of the employer or using a false business name. 
Posing a lengthy series of questions or comments to the consumer without giving the consumer a chance to reply. 
The use of violence, or the threat of violence, or any other criminal means to harm a person, their reputation or property.

Calling third parties ( i.e. family, friends and neighbors ) and disclosing the call is an attempt to collect a debt. 
Communicating with the consumer when the debt collector knows the consumer is being represented by an attorney. 
Calling employer if the debt collector knows that calls are unwelcome or prohibited by your employer. 
Using abusive language calling the consumer a liar or a deadbeat and the use of racial or sexus epithets.

Failure of the debt collector to identify him or herself by name.

Make false abusive claims such as your credit will be ruined forever, or we will have you fired from your job. 
Make claims to garnish your wages or seize your property without intent to do so, or without legal authority. 
Threatening to take any action that can not be legally taken ( i.e. wage garnishment without a judgment ), or that is not intended to be taken. 
Reporting a late pay when collections accounts are closed and can not be late ( unlike opened ended credit card accounts. )