Consumer complaint received 2024-01-02
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. (CO)

Monday, XX/XX/XXXXXXXX  Subject : Follow-Up Consumer Opt-Out Dispute  - Urgent Action Required On Accounts : XXXX XXXX  Non-Compliance with Written Instructions XXXX TRACKING NUMBER : XXXX And Previous Recission of Permission to Furnished Data on My Consumer Report via Affidavit of XXXX. 

Dear Consumer Financial Protection Bureau, I am writing to follow up on opt-out letters dated XX/XX/XXXX, opt out letters with notice to cure sent XX/XX/XXXX, and Affidavits of XXXX  Notarized XX/XX/XXXXXXXX  in which I formally exercised my right to opt out of all authorizations, whether written or unwritten, verbal or non-verbal, that I have given to XXXX XXXX , XXXX and Equifax. This opt-out request is made in accordance with my rights as a Federally protected consumer under 15 U.S. Code 6802 -Obligations with respect to disclosures of personal information. 

Regrettably, XXXX XXXX, XXXX and Equifax have chosen to ignore both  of my opt-out letters entirely, and my consumer information continues to be furnished without my consent. This persistent violation of my rights under the FCRA is unacceptable. 

This is an ongoing and egregious violation of my consumer rights, as detailed in my previous  communications. I must assert my demand for appropriate remedies to rectify the harm caused by the continued dissemination of inaccurate  and unauthorized information. 

As previously stated, I have unequivocally rescinded all  permission for the furnishing of my personal information, in perpetuity, in accordance with the Fair Credit Reporting Act ( 15 U.S.C 1681 ), Section 604. Despite these clear and legally binding instructions, XXXX XXXX, XXXX and Equifax have persistently and willfully disregarded the law, leading to a severe  compromise of my privacy and financial well-being. 

The repeated and intentional violation of federal statutes, including the Fair Credit Reporting Act ( 15 U.S.C 1681 ) and the Protection of Nonpublic  Personal Information ( 15 U.S.C 6801 ), raises grave concerns about XXXX XXXX, XXXX and Equifax 's commitment to respecting the privacy and security of consumers ' nonpublic  personal information. 

At This Time, I am disputing the following accounts : Company Name : Account Number 1. XXXX XXXX Account Ending : XXXX 2. XXXX XXXX Account Ending XXXX 3. XXXX XXXX Account Ending : XXXX 4. XXXX XXXX Account Ending : XXXX 5. XXXX XXXX Account Ending : XXXX 6. XXXX XXXX Account Ending : XXXX 7. XXXX XXXX Account Ending : XXXX 8. XXXX XXXX Account Ending : XXXX 9. XXXX XXXX Account Ending : XXXX 10. XXXX XXXX Account Ending : XXXX 11. XXXX XXXX Account Ending XXXX 12. XXXX XXXX Account Ending XXXX 13. XXXX XXXX Account Ending XXXX 14. XXXX XXXX Account Ending XXXX 15. XXXX XXXX Account Ending XXXX 16. XXXX XXXX Account Ending : XXXX 17. XXXX XXXX Account Ending : XXXX 18. XXXX XXXX Account Ending : XXXX 19. XXXX XXXX Account Ending : XXXX 20. XXXX XXXX Account Ending : XXXX 21. XXXX XXXX Account Ending : XXXX 22. XXXX XXXX Account Ending : XXXX Below shows the proof of correspondence for Opt-Out Letters, notice to cure opt-out letters, and Affidavits of XXXX  sent by me to each company which have been fraudulently disregarded. See Additional Attachments for Copies of Contents Sent. 

AFFADAVIT OF XXXX  Company Name : Contact Attempts Certified Mail Tracking Number XXXX 1st Delivery on XX/XX/XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Equifax 1st Delivery on XX/XX/XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1st Delivery on XX/XX/XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Because the first  contact attempts were disregarded, I saw fit to send a second  attempt ; although by law, I am not required to tell an agency  more than once  to have these rectified. As such, they should have been rectified after receiving the first written instruction. 

XXXX  2nd Sent on XX/XX/XXXXXXXX  on route. XXXX XXXX XXXX XXXX XXXX XXXX Equifax 2nd Delivery on XX/XX/XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2nd Delivery on XX/XX/XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX All attempts to have my written instruction performed properly have not been successful or rectified as of today by Equifax nor XXXX. 

OPT-OUT LETTERS Company Name Contact Attempt for Account Number Certified Mail Tracking Number XXXX XXXX Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO CURE OPT-OUT LETTER : Accounts Enclosed : 1. XXXX XXXX Account Ending : XXXX 2. XXXX XXXX Account Ending XXXX 3. XXXX XXXX Account Ending : XXXX 4. XXXX XXXX Account Ending : XXXX 5. XXXX XXXX Account Ending : XXXX 6. XXXX XXXX Account Ending : XXXX 7. XXXX XXXX Account Ending : XXXX 8. AXXXX XXXX Account Ending : XXXX 9. XXXX XXXX Account Ending : XXXX 10. XXXX XXXX Account Ending : XXXX 11. XXXX XXXX Account Ending XXXX 12. XXXX XXXX Account Ending XXXX 13. XXXX XXXX Account Ending XXXX 14. XXXX XXXX Account Ending XXXX 15. AXXXX XXXX Account Ending XXXX 16. XXXX XXXX Account Ending : XXXX 17. XXXX XXXX Account Ending : XXXX 18. XXXX XXXX Account Ending : XXXX 19. XXXX XXXX Account Ending : XXXX 20. XXXX XXXX Account Ending : XXXX 21. XXXX XXXX Account Ending : XXXX 22. XXXX XXXX Account Ending : XXXX Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX DELIVERED to XXXX XXXX in XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX  ( USPS tracking shown in attachments ) The Above shows a list of every account that has been Opted Out of data Furnishing with XXXX XXXX including their tracking number displaying that they have been delivered and received. All attempts to have my written instruction performed properly have not been successful or rectified as of today. 

Sincerely, XXXX XXXX