Consumer complaint received 2024-03-13
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. (TX)

XX/XX/XXXX As a federally protected consumer who feels harmed by Equifax and their reporting practices. I am filing this 3rd complaint against Equifax and it's subsidiaries for several violations of my personal and consumer rights. Equifax has violated the Privacy Act of 1974, Uniform Consumer Credit Codes, Fair Debt Collections Practices, Fair Credit Reporting Acts, Truth in Lending Act, Securities and Exchange Commission, Federal Trade Commission violations as well as CFPB violations. 

I originally disputed these things on what is called a consumer credit report under Equifax on XX/XX/XXXX through this website, then I also disputed a second time via certified mail in letter form per the United States Postal Rule about the things that are reported and sold by Equifax on their reporting to no avail!

Now, here I am a 3rd time trying to get through to this agency Equifax via the CFPB to correct their errors in regards to my name and social security number/accounting. 

Here is the accounts that I am disputing as well as the adverse actions that caused harm to me and my families well-being because of their inaccuracies and practices of reporting. 

Ohio Department of Human Services Acct # XXXX XXXX XXXX XXXX Acct # XXXX {$90.00} Late payments/Charge-offs Orig # XXXX XXXX XXXX XXXX Acct # XXXX {$1100.00} Collections/Charge-offs XXXX XXXX I have asked Equifax on all 3 occasions on these disputes and even on a private phone call on XX/XX/XXXX and even the letters that I sent via certified mail as well as through the CFPB complaints on XX/XX/XXXX and XX/XX/XXXX to remove all old non-mailable addresses, phone numbers, past employers, different variations of my name, hard and soft inquiries, and other pertinent information in regards to my personal information be removed immediately to no avail! 

The Federal violations that I am using to dispute and show that they have injured me are as follows.

Uniform Consumer Code Violations.

Violations of Privacy Act of 1974.

Negligent Enablement of Identity Fraud/Federal Trade Commission ( FTC ).
Violations of 16 CFR 441.1 Removal of non-mailable addresses.

Violations of 15 USC 1681b Permissible Purposes.

Violations of 15 1681 sect 602-604 Rights to Privacy.

Violations of 15 USC 1681 Willful Noncompliance-616.

Violations of 15 USC 1681 Civil Liability.

Defamation of Character ( Per Se ' ).

Violations of 15 USC 1692g Fair Debt Collection Practices.

Violations of 15 USC 1681e Provide Maximum Possible Accuracy/Compliance Procedures. 
Violations of 15 USC 1681m Requirements on Users Consumer Reports.

Violations of 15 USC 6803 Disclosure of Institution Privacy Policy.

Violations of 15 6809 ( 4 ) Nonpublic Personal Information.

Violations of 16 CFR 313.1 Purpose and Scope.

Violations of CFR 313.4 Initial Privacy Notice to Consumers Required.

Violations of USC 15 1666b Late payments should not be reported on open end consumer reports as well as past due balances.

Per these Violations I want Equifax to remove all errors from their reporting and my report effective immediately!