Consumer complaint received 2024-05-18 00:00:00
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.
State: TX

Complaint narrative:
Dear Sir/Madam, I disputed the accuracy of Equifaxs reporting on XX/XX/XXXX by certified mail which was more than 30 days ago. Equifax decided to respond to my dispute with stall tactics to buy more time or Equifax has misplaced my dispute. According to the rights given to me as a consumer, if Equifax is unable to verify the disputed account it must be DELETED. Seeing that your 30 days have come and gone and Equifax is resulting in stall tactics and asking for identification documents that were already sent I can only assume Equifax can't verify this information. I XXXX XXXX would like to assert my consumer rights and demand the DELETION of the account in question. The FCRA has made the laws that Equifax must abide by very clear. I am writing to address the unauthorized reporting of information to my consumer credit report by your agency. According to 15 USC 1681b, it clearly states any CONSUMER REPORTING AGENCY may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer For the purpose of evidence to present to a high authority, I XXXX XXXX would like to acknowledge that I have not & continuing to this present day, given Equifax authorization or any such power to furnish or share the account or accounts in question to my consumer credit report or any other form of reporting that directly references me XXXX XXXX the consumer, born XX/XX/XXXX for public use or for profit. 
Equifax is NOT a government official entity and NO legal power has been granted to any Credit Reporting Agency to collect or share/report/furnish my PERSONAL, and PRIVATE information without my consent in any shape or form. 
For the purpose of evidence to present to a high authority, I XXXX XXXX would like to acknowledge that I have not & continuing to this present day, given Equifax authorization or any such power to furnish or share the account or accounts in question. This letter stands as an official XXXX & XXXX. Any further reporting after today XX/XX/XXXX goes against my wish and is not consensual which is grounds for AGGRAVATED IDENTITY THEFT. 

I would also like to remind Equifax of 18 USC 1028A which takes place here seeing that you have possession of my personal information and also using/reporting/furnishing/sharing publicly and inaccurately without my consent of any form, not written, or verbally. I do not recognize Equifax as an entity that I have contractually agreed to willingly do business with or consent to furnish this information. Let me also bring to your attention 15 USC 6802 which clearly states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless they allow the consumer to exercise their right to opt-out. To make it abundantly clear Equifax is by definition : A THIRD PARTY REPORTING AGENCY. 
For the purpose of evidence to present to a high authority, I XXXX XXXX would like to acknowledge that I have not & continuing to this present day, given Equifax authorization or any such power to furnish or share the account or accounts in question to ANY third party affiliates I do not directly acknowledge, or hold a contractual obligation with. The account or accounts in question are fraudulent and have been furnished without my consent. 

Name of Account : Account Number : Provide Physical Proof of Verification Acct Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX. ) Acct # XXXX Date Opened XX/XX/XXXX Balance {$5700.00} I am not liable for this debt and I do not have a contract with : Company : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone # ( XXXX ) XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation