Consumer complaint received 2024-03-28
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. (MI)

The letter ( s ) that I sent are as follows, thank you ; XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SS # : XXXX XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom it may concern ; I received a copy of my credit report from Equifax and noticed ( 4 ) collection accounts that need to be immdiately deleted. They are as follows : XXXX. XXXX XXXX Account Number : XXXX Status : Closed XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Status : Closed XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. XXXX Account Number : XXXX Status : Closed XX/XX/XXXX Balance : {$0.00} XXXX. XXXX  Account Number : XXXX Status : Closed XX/XX/XXXX Balance : {$0.00} I want to be clear that this is I, XXXX XXXX XXXX writing this letter and not a third party agency. 
Please DO NOT send me a computer generated response to my complaint, that would not be fair or equitable to anyone and yet another violation of the FCRA. 
It seems that Equifax has viloated my consumer rights and viloated federal law ; and i feel i have proof in 15 USC 1681B ( 2 ) of the Fair Credit Reporting Act, which is noted below, 15 USC 1681B ( 2 ) - permissible purposes of consumer reports, THE LAW CLEARY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
I did NOT give your agency written authorization or written instructions to report this information. 
YOU have not only violated the Fair Credit Reporting Act, but your agency has committed aggravated indentity theft and I've sustained defamation of character just to name a couple damages should this matter escalate. 
The company reporting this Chargeoff has violated my consumer right as well, which is noted below in 15 USC 6802, so you may both also be liable for a lawsuit in conspiring against me if this escalates.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, THE LAW CLEARLY STATES : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

A., did not disclose to me the consumer that the information reported would be disclosed to the third party the consumer reporting agencies. 
XXXX, did not give me an opportunity to direct such information not be disclosed. 
XXXX, did not give me the consumer an explanation of how i could excercise the non discloure option. 
The law basically states if all 3 of these discloures were not provided to me that this is a direct violation of the law and I have the right to excercise OPTING OUT. 
All these XXXX discloures were not met, therefore, I am demanding to OPT OUT of having my information reported and requesting the reporting information to be DELETED from my consumer report immediately OR I will have no choice but to seek legal action against your agency for willfully violating the law. 
I submitted this complaint to the Consumer Financial Protection Bureau as well. 
Please respond within 14 days upon recepit of this letter to delete the refferenced items and send me a new letter notifying me that the information has been deleted from Equifax and please mail me a new copy of my report Best regards, XXXX XXXX