Consumer complaint received 2024-02-21
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. (NY)

This is response to complaint number XXXX Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. 

Please note : you Equifax are admitting to participating in the conduct of reporting of transactions from a non-affiliated third parties such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX such actions without authorization by me the Federally protected consumer, indicate violations by you Equifax. 
Per 15 usc 1681 b 604. I have not given any authorization to any furnisher related to any account opened by the principal. Pls adhere to what I am telling you and not what the furnishers are reporting. For those accounts are to the principal and they are asking for debt notes to pay a debt that is illegal, fraudulent and identity theft. I am working diligently with the consumer federal protection bureau for maximum penalties. I never told you to put any freeze on my report. Im in the process of pursuing legal action against each furnisher and you Equifax. For they are operating in bad faith. As I am a non citizen national with full faith and credit. And I demand Equifax to now reinvestigate and remove what I have asked them to remove without hesitation. Also the other agencies have different reports they all Dont match. If such transactions were accurate they would match Notice of dispute : I take my consumer reporting matters seriously and would appreciate this matter to be resolved promptly. Failure to address this dispute will lead to further legal action. Thank you in advance for your swift cooperation on this matter, I expect a timely response and resolution. Equifax has been reporting consumer transactions To no affiliated third party such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & remain inquires that were not approved! Inquires that brought my score down. Such violations indicate EQUIFAXis in non Compliance with the Fair Credit Reporting Act, the Privacy Act of 1974, 5 usc code 552a ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, amongst other violations of no. Compliance. Identity fraud, reporting consumer transactions unauthorized. This has cause major emotional and mental damage. I am looking to seek compensation. Also my consumer report from Equifax has express how many transactions Equifax has reported & or accepted illegally. 

Yours truly XXXX XXXX XXXX XXXX XXXX