Consumer complaint received 2024-01-04
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. (WY)

I have contacted the debt collectors, third parties, and other affiliates regarding my report to consult them about my request to opt out of reporting as well as the formalities around requesting termination of the reporting based on the statues, policies, regulations, etc. as I referred to in this complaint based on USC and FCR regulations, the privacy act of 1974, and the education family act of. I requested also because of the violations that occurred against my credit report, that the reporting that is associated with these same parties also be removed from my report without prejudice. ( Please see letters and documents attached ). I havent seen nor received a response from any of the parties involved in my efforts to clean up my credit. 

Under the provisions and regulations of the Fair Credit Reporting act, the privacy act of 1974, the Code of Federal Regulations, the Family Educational Rights and Privacy act, and other related agencies where these codes, laws and regulations are relative and protect me as a consumer, I am putting in a complaint on the grounds that the persons, third parties, etc. have violated my rights as a consumer. 

Codes and laws that I am referencing in relation to the violations occurred against me as a consumer are listed here with descriptions : * 15 USC 1681C Sect. 605 ( a ) ( 1-6 ), 15 USC 1681 Sect. 605 ( b ) ( 1-3 ) * 15 USC 1681B Sect. 605 ( h ) ( 1 ), 15 USC 1681B Sect. 609 ( a ) ( 5 ) * 15 USC 1681B Sect. 615 ( d ) ( 1 ) ( A-E ), 15 USC 1681B Sect. 615 ( 4 ) * CFR Req. Title 12, Chpt. X SS. 1006.6 * CFR Req. 1006.42 * CFR Req. 1006.10 * CFR Req. 1006.34 ( b ) ( 3 ) ( 4 ) * CFR Req. 1006.34 ( c ) ( 3 ) ( i ) * CFR 1016.7 ( a ) ( 1 ) ( i-iii ) * CFR 1016.7 ( g ) * CFR 1016.7 ( h ) * 15 USC 6802 * CFR 12 X ss 1016.7 ( a ) ( i-iii ) * CFR 12 X ss 1016.3 ( b ) ( 1 ) * CFR 12 X ss 1016.3 ( a ) ( I ) ( A-E ) * CFR 12 X ss 1016.3 ( c ) * CFR 12 X ss 1016.3 ( q ) ( 1 ) ( i-iii ) * CFR 12 X ss 1016.3 ( q ) ( 2 ) ( i ) ( A-G ) * CFR 12 X ss 1016.4 ( a ) ( 1-2 ) * CFR 12 X ss 1016.4 ( b ) ( 1-2 ) * CFR 12 X ss 1016.4 ( c ) ( 1-2 ) * CFR 12 X ss 1016.6 ( a ) ( 1-9 ) * CFR 12 X ss 1016.6 ( c ) ( 4 ) ( i-iv ) * CFR 12 X ss 1016.7 ( g ) * CFR 12 X ss 1016.7 ( h ) * CFR 12 X ss 1016.10 ( a ) ( 1 ) ( i-iv ) * CFR 12 X ss 1016.10 ( a ) ( 2 ) * CFR 12 X ss 1016.10 ( a ) ( 3 ) ( i-iii ) * CFR 12 X ss 1016.10 ( b ) ( 1-2 ) * CFR 12 X ss 1016.11 * CFR 12 X ss 1016.12, FCR 12 X 1016.12 ( a ) * CFR 12 X ss 1016.15 * CFR12 X ss 1016.13 * CFR 12 X ss 1016.17 ( c ) ( 2 ) ( g ) ( 2-5 ) * CFR 12 X ss 1016.17 ( c ) ( 3 ) ( b ) ( 1-3 ) * 15 USC ss 1681 ss 602 ( a ) ( 1-4 ), 15 USC ss 1681 ss 602 ( b ) * 15 USC ss 1681a ss 603 ( b ), 15 USC ss 1681a ss 603 ( c ) * 15 USC ss 1681a ss 603 ( m ) ( 1-2 ) * 15 USC ss 1681b ss 604 ( a ) ( 2-5 ) * * 15 USC ss 1681b ss 604 ( b ) ( 1-2 ) * * 15 USC ss 1681b ss 604 ( c ) ( 1-3 ), ( Emphasis ) * * 15 USC ss 1681b ss 604 ( c ) ( 2 ) ( A-C ) * 15 USC ss 1681b ss 604 ( e ) ( 1 ) * * 15 USC ss 1681b ss 604 ( f ) ( 1-2 ) * 15 USC ss 1681c ss 605 ( a ) ( 1-8 ) * 15 USC ss 1681e ss 607 ( b ) * * 15 USC ss 1681j ss 612 ( b ) * 15 USC ss 1681m ss 615 ( a ) ( 1-4 ) * 15 USC ss 1681n ss 616 ( a ) ( 1-3 ), 15 USC 1681n ss616 ( b ) **** ( Compensation ) * 15 USC ss 1681q ss 619 * 15 USC ss 1681o*** ( Justifies ss619, reserved ) * 15 USC ss 1681s-2 ss 623 ( a ) ( 1 ) ( A ) * 15 USC ss 1681s-2 ss 623 ( a ) ( 1 ) ( B ) ( i-ii ) * 15 USC ss 1681s-3 ss 624 ( a ) ( 1-2 ) ( A-B ) Emphasis on laws/violations : As outlined in the laws, particularly the Fair Credit Reporting Act 15 USC 1681 ss 602, it states and emphasizes that agencies are to insure ( as a need ) their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy and the consumer themselves in ordinance with the laws. Equifax, XXXX, and XXXX are consumer reporting agencies and I am the consumer as defined by the laws and the reference of laws that I have outlined in terms of definition, policies, laws, and compliances where these violations were made by these entities. Moreover, I have the right to make sure my private information is not shared in any and every way which is indeed backed by 15 USC 6801, additionally which states It is policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information again in any way.

( The Furnisher ( s ) of information to credit agencies ) is a financial institution which is defined under title 15 USC 1681 ss 604 ( a ) ( 2 ), stating that In general, to subsection c, any consumer agency may furnish a consumer report under the following circumstances and no other ; In ordinance with the written instructions of the consumer to who it relates [ Furnisher of information to credit agencies ) The financial institution and the consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent ; written, unwritten, verbally, and non verbally, implied, or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose no public information to a nonaffiliated third party unless the CONSUMER is given an explanation of how the consumer can exercise that nondisclosure option ( Furnisher of information to credit agencies ) I was never informed of any of my rights nor my right to exercise my disclosure option at any given moment and time. Not only was this relative and the case, I would like to reference and acclaim 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years The account is an adverse item they are reporting, again, without my permission, thereby proving and showing that they are breaking the law and another law. 15 USC Code ss 1681s-2 ( A ) ( 1 ) ; A states and outlines, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX5 USC Code ss 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to the limit the furnishing of consumer er reports to the purposes listed under section 1681b of this title. Equifax, XXXX, and XXXX are not maintaining these procedure nor and reasonable procedures. Additionally, 12 CFR ss 1016.7 states that A consumer may exercise the right to opt out at any time. Therefore and within he scope of the laws and my rights, I am OPTING out of your reporting services by way of the laws and regulations. 


These agencies, persons, creditors, debt collection agencies, etc have been participating and maliciously have been violating my rights as a consumer without an opportunity to remedy these cases nor do they have the intention to remedy the circumstances and situation based on the repetitive actions that have been taken against me and my rights as a consumer.