Consumer complaint received 2024-03-08 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:
EQUIFAX is obligated by the FCRA to report accurate accounting. Equifax, XXXX the FCRA as a protected consumer I opted out of all authorization used to a XXXX XXXX. I the consumer may have given written, unwritten, verbal, and non-verbal per 15 USC 6801-6805 the Privacy Act of XXXX. Per 15 USC 1681 Effective immediately and indefinitely. All the inaccuracies of my XXXX information must be cleared off my report. All versions of names except my only Name. All other versions are in violation. There is only XXXX ( XXXX ) XXXX address that should be in my Credit Report. ALL OTHER XXXX or XXXX are UNMAILABLE and MUST BE REMOVED. EQUIFAX and other companies have XXXX AND XXXX XXXX INQUIRIES that are NOT AUTHORIZED : Per the XXXX as a protected consumer I have opted out of all authorization. I the consumer may have given written, unwritten, verbal, and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed.15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet EQUIFAX XXXX INC. is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as XXXX, XXXX  status and any other XXXX information deleted from my consumer reports effective immediately. My XXXX XXXX XXXXXXXX accounts is a violation of the XXXX and XXXX  Privacy Act of XXXX. The XXXX XXXX Rights and Privacy Act ( XXXX ) is a XXXX law enacted in XXXX that protects the privacy of XXXX XXXX records. XXXX applies to any XXXX or XXXX XXXX XXXX XXXX XXXX school. XXXX XXXX XXXX XXXX XXXX ) Account mark account PAID AS AGREED. Before you think to reply that this account has been " XXXX ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the XXXX accounts have been placed in XXXX  Status WITHOUT XXXX me a copy of XXXX form XXXX XXXX XXXX XXXX. EQUIFAX , INC. and the XXXX reporting XXXX, XXXX XXXX XXXX information in my consumer reports are in violation of 26 USC 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities.15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), 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 to whom it relates. These companies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), but no consumer reporting agency may also 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 XXXX years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' 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. Equifax are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time 15 U.S. Code 1681n - Civil liability for willful noncompliance b ) Civil liability for knowing noncompliance 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 the consumer reporting agency for actual damages sustained by the consumer reporting agency or XXXX XXXX XXXX, whichever is greater. SAID company is liable under the SEC to follow certain rules. EQUIFAX XXXX file number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. For EQUIFAX and ALL ENTITIES involved, I will be forced to officially file XXXX form XXXX : XXXX XXXX and will be filing form XXXX treasury XXXX forms to audit consumers account. EQUIFAX is securitizing consumers XXXX yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT

Company response to consumer: Closed with non-monetary relief