Consumer complaint received 2023-12-23 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: FL

Complaint narrative:
I filed a COMPLAINT XXXX XX/XX/XXXX, for UNLAWFUL REPORTING without my consent, their continued DECEPTION, FCRA VIOLATION and MY RIGHT TO PRIVACY. 


My complaint was solely due to the FCRA VIOLATION by failing to RESPECT MY RIGHT TO PRIVACY. NOT for OWNERSHIP. 

XXXX XXXX  - account {$0000.00} XXXX XXXX XXXX - account # XXXX, XXXX cited CFPB the " Bureau '' As stated in the SUPPLEMENTARY INFORMATION for its Advisory Opinions Policy. ' EQUIFAX collect and assemble or evaluate information about, among other things. 

This collection, assembly, evaluation, dissemination, and use of vast quantities of often highly sensitive personal and financial information about me ( the consumer ) poses significant risks to my privacy. 

The FCRA regulates EQUIFAX Consumer Reporting, Congress enacted the statute " to ensure fair and accurate credit reporting, and protect consumer privacy. '' Also, noted, One of the problems with the credit reporting industry that Congress recognized and sought to remedy with the FCRA was that " information in a person 's credit file ( was ] not always kept strictly confidential. 


The statue was enacted to prevent undue invasion of MY RIGHT TO PRIVACY in the collection and dissemination of my credit information. 


I HAVE A RIGHT TO PRIVACY. If I DON'T want my information disseminated I have that legal right. 



FCRA section 604, entitled " Permissible purposes of consumer reports, '' identifies an exclusive list of " permissible purposes '' for which EQUIFAX may provide my consumer reports, with my written instructions and for purposes relating to credit, employment, and insurance. * The statute states that EQUIFAX may provide my consumer reports under these circumstances " and no other. '' The Advisory opinion also reminds Consumer Reports users that the FCRA section 604 F, strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose which NONE WAS GIVEN. 


I demand the unlawful reporting of XXXX XXXX and XXXX XXXX XXXX  to be deleted from my consumer report immediately. 


EQUIFAX has NOT provided me with any written instruction that was given to them or XXXX XXXX and XXXX XXXX XXXX to report ANY of my personal information. Both reportings DID NOT RESPECT MY RIGHT TO PRIVACY as Congress have stated.

15 U.S. Code 1681- Congressional findingsand statement of purpose ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for to theconsumers right to privacy. 


EQUIFAX HAVE VIOLATED MY RIGHT TO PRIVACY by selling my consumer file to a third party WITHOUT MY WRITTEN INSTRUCTIONS. 



Equifax has knowingly received THE COMPLAINT XXXX, XXXX but has chose to mislead the Bureau in responding of a alleged Investigation which they know. was NOT a dispute. Again, EQUIFAX continue tactics in misleading the Bureau knowingly that none was ever conducted.

With Equifax continued immoral intention by deceptive means in prolonging a response to my Complaint on CFPB Portal to further misled the Bureau but has listed the alleged investigation completed on their website. 


THIS IS PROHIBITED I am including the following accounts information. 


1. EQUIFAX dispute page from THEIR WEBSITE XX/XX/XXXX that shows lists OPENED and CLOSED disputes which contradicts the accurate dates which they received my complaint. 
2. CFPB Submitted Complaints Page which lists the submitted complaints dates and EQUIFAX response eluding the date expected completion. 
3. XXXXXXXX XXXX XXXX- acct # XXXX Report Status Date- XX/XX/XXXX NO CURRENT INVESTIGATION / Complaint Submitted XXXX - [ ] CLOSED XX/XX/XXXX, deleted from XXXX Report XX/XX/XXXX 4. XXXX XXXX XXXX - acct # XXXX, deleted from XXXX Report XX/XX/XXXX In my inital complaint, I asked that my Credit file BEFORE and AFTER ANY filed Complaints be provided to the 'Bureau '' for futher review. Any " written instructions '' by me be provided to the " Bureau ''. Equifax HAS NOT provided what was asked of them. 

This has been an ongoing violation by Euifax and I ask the Enforcement Dept and Supervision Dept be provided my Consumer file for review. 

I will be seeking counsel in this legal matter,

Company response to consumer: Closed with explanation