Consumer complaint received 2024-03-25
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. (SC)

Subject : Inquiry Regarding Verification Method for Dispute Resolution I am reaching out to request details regarding the method used to verify the dispute initiated on [ XX/XX/2024 ], as well as the subsequent response received on [ XX/XX/2024 ]. 

Could you please provide the following information utilized in verifying the validity of XXXX XXXX. : 1.The name of the original creditor.

2.The creditor 's address and telephone number.

3.The individual 's name who conducted the verification of the dispute.

4.The documentation utilized to substantiate the dispute.

Per the regulations outlined in the Fair Credit Reporting Act ( FCRA ), Section 611, I am formally requesting this information to ensure thoroughness, accuracy, and appropriateness. Alternatively, you may opt to reopen the dispute and conduct a comprehensive investigation.

I would greatly appreciate a prompt response outlining the steps that will be taken to address this issue. Failure to receive a response will leave me with no recourse but to exercise my rights under FCRA, Section 616, and pursue legal action.

I sent Opportunity Financial an opt of letter MULTIPLE times and they're still violating my rights. Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal per 15 USC 6802.

A charge off is considered a certificate of indebtedness which is income ( IRS PUB 4681 ) and must be removed from my consumer reports.

I am formally requesting that all credit bureaus cease reporting on my consumer reports as it is causing me undue distress. I am asserting my right to privacy, a fundamental entitlement upheld by the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681 section 602a. This legislation underscores the obligation of consumer reporting agencies, such as Equifax and XXXX, to conduct their duties with fairness, impartiality, and utmost respect for consumer privacy. 

As an individual, I insist on the non-disclosure of my private information, a right reinforced by 15 USC 6801, which mandates financial institutions to safeguard nonpublic personal information and uphold customer privacy. The entity responsible for providing information to credit agencies, commonly referred to as the 'Furnisher of information to credit agencies, ' is classified as a financial institution under this statute.

According to 15 USC 1681 section 604a ( 2 ), a consumer reporting agency is only permitted to furnish a consumer report based on explicit written instructions from the consumer. In this instance, neither the financial institution nor the consumer reporting agencies, Equifax and XXXX, have obtained my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish such information. Therefore, all forms of consent are hereby revoked.

Furthermore, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt out of such disclosure. To my knowledge, the 'Furnisher of information to credit agencies ' has failed to provide me with this option, rendering any disclosure unlawful.

It is crucial to highlight that 15 USC 1681C ( a ) ( 5 ) expressly prohibits consumer reporting agencies from including adverse information in a consumer report without proper authorization, particularly any adverse information exceeding a seven-year timeframe. The inclusion of such adverse information on my account is a blatant violation of this provision.

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A mandates that any entity furnishing information to a consumer reporting agency must ensure the accuracy of the provided information. Equifax and XXXX, by reporting inaccurate and unauthorized information, are directly contravening this statutory requirement. 

Lastly, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of any further reporting. It is within my prerogative to withdraw consent for the reporting of my information at any time. 

Given the aforementioned legal provisions and violations, I demand immediate corrective action to rectify the inaccuracies and cease any unauthorized reporting by Equifax, XXXX, and the 'Furnisher of information to credit agencies. '