Consumer complaint received 2024-05-13
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. (GA)

Today XX/XX/year> I called equifax to see what they did to investigate my concerns about incorrect information on my consumer report Ive asked multiple time for them to do a proper investigation into an existing complaint between me the consumer and these third party collection agencies that I dont not owe under usc 1581 thru 1692 using XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX  I was laugh at first by a XXXX XXXX from equifax when I asked what did they do to investigate my concern he said they did nothing they asked the company XXXX XXXX XXXX was the information right and they said yes so that completed the investigation and under the laws set in place by congress that isnt what the term investigated means so they didnt do there job being as tho theyve assumed a vital role in reporting on a consumer report accurate information I told them that isnt mines I do not owe any third party companies under the law they still did nothing to do a proper investigation I think it time they be sued again as a class action lawsuit for not doing a proper investigation how theyve been sued before due to negligence and not following the law they have no written instruction from me I have the right to privacy consumer reporting agencies have violated my rights multiple times and I would like them to be held accountable and reprimanded due to this I would like to sue for pain and suffering being as tho they arent even supposed to be reporting solely as to transactions and they have and currently still doing XXXX XXXX XXXX in the amount of XXXX have and constantly violating consumers rights In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer agency can not furnish an account without my written instructions. 

U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be 100 percent accurate. 

15 U.S.C 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect my rights. 

15 U.S.C 1681 ( n ) ( b ) Civil liability for knowing non compliance. Any Person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to a consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater. 

These laws are set in place to protect my federal protected consumer rights.the list of agencies below have violated me and I would like for the cfpb to follow the rules and guidelines set in place by congress to hold these persons accountable. As follows these are the accounts of the person I wish to sue under 15 usc 1681 thru usc 1692 as it state I am to be reimbursed for any and all violations to my consumer report are not mines I do not owe these persons nor do I know of these persons In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
The law states also XXXX I have the right to refuse payment on things that shouldnt be on my consumer report but being as they assumed a vital role and congress has set certain laws in place I would like to send over a 1099 oid also the form 56 and 1099 oid ab also the 1040 and the 8281 as they are now banned from calling me or faxing me I am also sending them over a true bill under title XXXX and they have now violated title XXXX as if they are above congress and under title XXXX you violate me any further I can sue you as I dont not owe third party debt collectors anything XXXX XXXX XXXX XXXX XXXX XXXXXXXX as what I thought was loans where actually deposits XXXX5usc 1692 c ( c ) 1692 ( a ) and ( b ) 1692a ( 1-4 ) Please 1692f also states false representation.im also sending a true bill in the amount of {$50000.00} immediately if this isnt resolved asap.and for any extra as it cost me to get a lawyer involved in this company not doing a proper investigation and constantly violating a consumers rights to privacy.