Consumer complaint received 2024-01-10
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. (TX)

Dear CFPB, I would like to file a complaint agent Equifax, XXXX and XXXX for violation of my consumer rights. These agencies are violating my rights under the Privacy Act of 1974, FERPA, and other laws that protect my consumer rights. Im being violated on purpose! Per the FCRA as a federally protected consumer I have requested to opt out any and all authorizations that may have been given either verbal or non-verbal written or otherwise expressed per 15 USC 6802, Obligations with respect to disclosures of personal information. this Title it is outlined that a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. These companies listed in this letter state they do not disclose information to third parties of which they wrongfully lied and have violated my rights as a consumer. The proof is the information found in my consumer credit reports. 
15 USC 1681 ( 2 ) states, In accordance with the written instructions of the consumer to whom it relates. The consumer reporting agency must have my written consent. I have never provided them written consent and when I requested they produce this information it was not furnished as it was never given. This is no my third attempt seeking remedy and enforcement of my consumer rights. 
I have reported to all the agencies my correct information including verifying my identify, and unfortunately they still are reporting inaccurate information. The only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All other addresses listed are non-mailable addresses. 
These agencies and companies are also violating my consumer rights protected under the FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) in which the federal law protects the privacy of my student education records. This is also in accordance to violations of my rights under 15 USC 1666 ( a ) and ( b ) Regulation of credit reports and Timing of payments. Under these section it states that a creditor can not directly or indirectly threaten to report or take any adverse action, it also states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
These agencies have also failed to safety secure my personal information. Each agency has confirmed that my information was subjected to theft due to their data breach within their systems. They failed to protect PI and have yet to offer a remedy. 
Im requesting that my credit report be reflected correctly within all Agencies and again be investigated thoroughly and correctly. 

A. Address as mentioned above is the only mailable address. The addresses below are not mailable Not Mailable address that are inaccurately reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX B. Dept of ED/XXXX- this reporting is a violation of the FERPA ACT and Privacy Act of 1974 This should be updated as paid as agreed. 
C. XXXX XXXX XXXX and - XXXX XXXX XXXX -In violation of 15 USC 1681 ( 2 ) and the Privacy Act and 15 USC 1666 ( a ) and ( b ) D. Hard Inquiries- There are 4 inquiries on my report of which should not be there and are unauthorized. I did not acquire any goods, services or property from these companies E. Incorrect Names are not removed from the credit report despite sending my verifying information. 
a. The following names should be removed as my Name is 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 name is incorrect, the correct name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX is wrong XXXX. XXXX XXXX is wrong, I did not approve of this and dont recognize this information its inaccurate. 
G. Dispute for XXXX XXXX XXXX they say they disagree yet are willfully violating my consumer rights. The Agencies did not due their full due diligence to hold them or themselves accountable under the investigation. They are in violation of Privacy Act and 15 USC 1666 ( a ) and ( b ) H. XXXX should be paid as agreed Please see attached report as they are reporting violating my consumer rights.