Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In XXXX, XXXX, XXXX, and XXXX, I discovered XXXX, XXXX XXXX, Equifax, XXXX XXXX, et al breached my trust selling personal, sensitive, and credit information to foreign entities damaging my credit history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. US Code 1028 ( a ) reports information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine. 

Identity thieves exploited a security weakness on credit reporting websites. XXXX et al requires that those seeking a copy of their credit report successfully answer several multiple-choice questions about their financial history. But until the end of XXXX, XXXX website allowed anyone to bypass these questions and go straight to the consumers report. All that was needed was a name, address, birthday, and Social Security number. Agencies used my Social Security number, as well as other information for fraudulent purposes. 15 USC 1681 mentions agencies reported inaccurate information on my credit report. Agencies willfully failed to delete my disputed information damaging my credit score. Said information is not valid proof for a reasonable determination complying with FCRA. Because of the fact just mentioned, I DO NOT BELIEVE AGENCIES PERFORMED ACCURATE INVESTIGATIONS. 
Mismatched data supplied to ALL THREE credit bureaus is negative and inaccurate. Agencies failure to investigate properly is an intentional and negligent FCRA violation. Pursuant to 15 U.S.C. 1681 2 2 ( A ) companies violate the law regarding the responsibilities of furnishers of information to consumer reporting agencies. It was discovered that 1 - 100 of 1561 records of companies/organizations were/are trading on the XXXX without my authorization . Business Entity Data ( BED ) B.V., a wholly owned subsidiary of The Depository Trust & Clearing Corporation ( " DTCC '' ), owns and operates the XXXX XXXX XXXX XXXX XXXX ( GMEI ) legal entity identifier ( LEI ) solution in the federated Global LEI system ( GLEIS ). XXXX XXXX XXXX XXXX XXXX, XXXX. Also, XXXX XXXX obtained my SS # attempting to get a mortgage. My permission was not given to any person, or entity, to use my identity, name, likeness, signature, or social security number for any reason.

Company response to consumer: Closed with explanation