Consumer complaint received 2024-04-07
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. (NY)

YOU RESPONDED TO MY CFPB COMPLAINT WITH THE FOLLOWING XXXXyou indicated that there were inaccurate items reporting on your credit file. I STATED YOU HAVE NO CONSENT TO FURNISH MY INFORMATION AND IN DOING SO YOUR COMMITING INDENTITY THEFT NO CONSENT NO LEGAL OR LAWFUL AUTHORIZATION TO FURNISH MY INFORMATION XXXX XXXXEquifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO XXXX YOUR RESPONSE SHOWS THAT YOU FAILED TO CONDUCT A REASONABLE INVESTAGATION IN ACCORDANCE WITH THE FCRA, CONTACTING A FURN Equifax INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opportunity to cure investigation see exhibit ( a ) i sent a notice of dispute you have responded to my demand to remove account number XXXX from XXXX, from my consumer report, you have claim to conducted an investigation report please take note pursuant to 603 of the FCRA what an investigation report, i have reason to believe and do so believe you have not conducted a lawful investigation consumer report. 
__________________________________________________________________________________ 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 the investigation report you have prepared and furnished, is not in accordance with the requirement set forth Pursuant to 606 of the FCRA, the investigation report you have prepared and furnished contains certain information that is adverse to the interest i the consumer.You have been negligent in failing to comply fails to comply with 604 ( a ) ( 2 ) under the FCRA, you are required to be fined {$1000.00} pursuant to 617 of the FCRA result of the failure i am requesting in writing the nature and scope of the investigation that was made, such disclosure shall be done in writing Pursuant 606 of the FCRA Your cfpb response you have sent is evidence that you have prepared and furnished and investigation report You have prepared an investigative consumer report, With adverse information ( account name and number ) in the consumer report that was included in a subsequent consumer report without such adverse information being verified in the process of making such subsequent consumer report your in violation of 614 ( d ) ( 4 ) of the FCRA, Your actions willful noncompliance of the requirement imposed under the FCRA, holds you liable to i the consumer and you are required to be fined {$1000.00} pursuant to 616 of the FCRA result of the failure, you have failed to maintain reasonable procedures designed to limit the furnishing of consumer reports to the purposes listed under 604 ( a ) ( 2 ) of the FCRA, you have failed to follow the requirements sent forth pursuant to 607 of the FCRA, Your actions willful noncompliance of the requirement imposed under the FCRA, holds you liable to i the consumer and you are required to be fined {$1000.00} pursuant to 616 of the FCRA result of the failure, XXXX XXXX - never gave you Equifax the written instructions to furnish a report on my behalf, You have no permissible purpose Pursuant to 604 ( a ) ( 2 ) of the FCRA to furnish any report on my behalf,. You have been negligent in failing to comply fails to comply with 604 ( a ) ( 2 ) under the FCRA, you are required to be fined {$1000.00} pursuant to 617 of the FCRA result of the failure Equifax You have obtained my information which is prohibited 604 ( f ) ( 1 ) ( 2 ), Equifax you have obtain a consumer report for a purpose that is not authorized to be furnished under a permissible purpose and you have no certified purpose pursuant to 607 of the FCRA as user of my report though any general of specific certification Equifax your actions willfully fails to comply with any requirement imposed under the FCRA, are required to be fined between XXXX pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) result of the failure Pursuant to 618 of FCRA i can take action to enforce liability for failure to follow the requirements created under the FCRA based on your actions which this lawsuit may be brought in any appropriate United States district court, without regard to the amount in controversy, or in any other court of competent jurisdiction, With Explicit Reservation of all Right, Without Prejudice UCC 1-308. 

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