Consumer complaint received 2023-09-09
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.

Complaint:
On XX/XX/XXXX I submitted a complaint to equifax about furnishers reporting inaccurate, and fraudelent information on my consumer report.Upon Equifax performing their investigation equifax continued to verify innacurate, and fraudulent information of said accounts, XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXXPursuant to 15 U.S Code 1681a-Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
The term consumer means an individual. 
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living 2 ) Exclusions- ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.Any transactions reporting on my consumer report is illegal pursuant to the Fair Credit Reporting Act.Reporting transaction history is illegal. 
Pursuant to 15 U.S Code 1681b- Permissible purposes of consumer reports-subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.My written consent is needed to add anything to my consumer report and due to no written consent provided by me as the consumer it is clear violation of the Fair Credit Reporting Act.Upon Equifax verifying information I gave no consent to be furnished on my consumer report in written authoriztion nor contract they are in clear violation of Fair Credit Reporting Act. 
15 U.S. Code 1681e - Compliance procedures a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.As stated in complaint made XX/XX/XXXX it is clearly stated by me, as the consumer, all the inaccuracies in the consumer reporting agencies reports.Not only was it stated in description, but also shown in a credit report highlighted with detail, still the Consumer Reporting Agencies feel their investigations are sufficient, and no deletions of innaccurate, and fraudulent accounts are deleted. 

Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
This is the 3rd time in which I, as a consumer is stating the laws Equifax are suppose to abide by under the Fair Credit Reporting Act, but to my understanding Equifax goes by policies as I have been told by several phone conversations with supervisors.They can not inform me of the laws they abide by, but only state the policies that have no merit, or benefits to me as a consumer protected by the Fair Credit Reporting Act, and completely harm me as a consumer in obtaining property, or any type of goods for family and household due to fraudulent reporting, and inaccurate reporting by the CONSUMER reporting agencies. 
Equifax has also violated Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 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 My privacy has been violated by equifax numerous times.From transactions by above-mentioned furnisher XXXX XXXX XXXX staying on my report, to equifax reporting to other 3rd parties my credit worthiness being that of a irresponsible consumer, fraudulent accounts without written consent by me to report on my consumer report.Equifax unlawful acts causes me great harm in trying to obtain a home, a car, and every day living providing for my family.

Company response to consumer: Closed with explanation