Consumer complaint received 2025-07-19 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: IN

Complaint narrative:
b'CYBER CRIMES and other Violations Under the FCRA, GLBA, FDCPA, and FTC Act.\nThe following entities have engaged in systemic misuse of my Social Security Number (SSN) and Non-Public Personal Information (NPPI) in direct violation of federal law:\nEquifax\nExperian\nTransUnion\nOn XXXX XXXX XXXX and again on XXXX XXXX XXXX I formally and lawfully revoked all consentexpress, implied, or presumedfor the use, sharing, monetization, or dissemination of my NPPI and SSN. These revocations were lawful declarations under the Gramm-Leach-Bliley Act (GLBA) and the Fair Credit Reporting Act (FCRA). Despite this clear and timely notice, the aforementioned agencies continued to furnish, disclose, and monetize my information, triggering violations that constitute identity theft and consumer fraud.\n\nProof of Revocation Submitted to Consumer Reporting Agencies:\nComplaint ID #XXXX  Submitted: XX/XX/XXXX\nComplaint ID #XXXX  Submitted: XX/XX/XXXX\nComplaint ID #XXXX   Submitted: XX/XX/XXXX\n\n\nThese formal complaints explicitly notified Experian, TransUnion, and Equifax that all prior authorizations were revoked, and any continued use of my information would constitute criminal misuse under federal law.\n\nEnumerated Violations and Legal Authority\n\n42 U.S.C.  408(a)(8)  Whoever discloses, uses, or compels the disclosure of the social security number of any person in any manner not authorized by federal law, shall be guilty of a felony\n\n18 U.S.C.  1028  Unauthorized use of my personal identifying information constitutes identity theft under federal criminal code.\n\n15 U.S.C.  68016802 (GLBA)  My privacy rights under federal law were violated; my opt-out and revocation rights were disregarded.\n\n15 U.S.C.  1681 (FCRA 602)  I have a legally protected right to privacy, accuracy, and confidentiality of information held in consumer files.\n\n15 U.S.C.  1681g (FCRA 609)  I requested my full consumer file (not a credit report), and access was unlawfully denied.\n\n15 U.S.C.  1681b (FCRA 604)  No permissible purpose exists to furnish or access my consumer report.\n\n15 U.S. Code  1681e (FCRA 607) mandates that agencies follow reasonable procedures to ensure the "maximum possible accuracy" \n\n15 U.S.C.  1681c-2 (FCRA 605B)  Liabilities must be blocked within four XX/XX/XXXX business days of receiving an identity theft report.\n\n15 U.S.C.  1692c (FDCPA)  A debt collector may not contact a consumer without prior direct consent or court order. None was given.\n\n15 U.S.C.  1692e  CRAs and furnishers are engaging in false, deceptive, and misleading representations regarding alleged debts.\n\n15 U.S.C.  45 (FTC Act)  The use of my information for profit without consent is an unfair and deceptive commercial practice.\n\n15 U.S.C.  1681n and  1681o  I reserve the right to pursue civil liability for willful or negligent noncompliance with the FCRA.\n\n\nPattern of Misconduct\nI have not received any reliable method of verification explaining how the CRAs verified the data tied to my credit file.\n\nI have not received reinsertion notices, and the CRAs continue to obstruct my right to correct or suppress fraudulent data.\n\nThe CFPB and the CRAs have failed to produce any proof of written consent, power of attorney, or valid contract, allowing the sharing or sale of my NPPI.\n\nCRAs are making financial decisions on my behalf, attaching liabilities and harming my creditworthiness without lawful authority, which affects loan rates, housing, employment, and cost of living.\n\nContinued furnishing of inaccurate or unverifiable data beyondXX/XX/XXXXdays violates federal statute and creates material harm.\n\nConclusion\nMy identity and consumer file have been unlawfully monetized and weaponized. The CRAs, with CFPB oversight, have ignored lawful revocations, refused to correct inaccuracies, and violated multiple federal laws with impunity.\nI demand immediate compliance with:\n15 U.S.C.  1681g  Full disclosure of my complete consumer file\n15 U.S.C.  1681c-2  Blocking of all fraudulent tradelines\n\nEnforcement referrals to the FBI Cyber Crimes Unit, FTC, and DOJ for prosecution of:\nIdentity theft under 18 U.S.C.  1028\nMisuse of SSN under 42 U.S.C.  408\nViolations of financial privacy and consumer protection laws\nI reserve my rights to seek civil damages and criminal referrals under 15 U.S.C.  1681n and  1681o.\n\nThe following entries were made without lawful authority, authorization, or written consent and must be deleted under 15 U.S.C.  1681c-2 within XX/XX/XXXX business days.\nCredit card accountsXX/XX/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 XXXXXX/XX/XXXXCredit card accounts: these disappear and reappear on different credit reportsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLoan accounts: (refer to UCC search i have provided.  It proves there is no perfected security      interest which is required).  Please delete both accounts in their entiretyXX/XX/XXXXCollection Accounts: these also disappear and reappear on different credit reportsXX/XX/XXXXLate payments: remove late payments and Update these to paid as agreed  they are being reported after revocation sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnDelete all personal identifiable information(PII) from my report with the exception of:\n1. My Full Legal Name:XX/XX/XXXX: Remove all other variants of name.\n2. My Address:XX/XX/XXXX:  Delete all other addresses due to the fact they are nonmailable and out dated.\n3.  My phone number:XX/XX/XXXXXXXX Delete all other phone numbers which are out dated.\nI demand my date of birth and social security number not be present on my credit file.  Please present SSN like this XX/XX/XXXX.  Please present DOB asXX/XX/XXXX or XX/XX/XXXX.  Please protect my rights and privacy as I am a federally protected consumer.  \n\nConclusion\nMy identity and consumer file have been unlawfully monetized and weaponized. The CRAs, with CFPB oversight, have ignored lawful revocations, refused to correct inaccuracies, and violated multiple federal laws with impunity.\nI demand immediate compliance with:\n\n15 U.S.C.  1681g  Full disclosure of my complete consumer file\n15 U.S.C.  1681c-2  Blocking of all fraudulent tradelines\n\n\nEnforcement referrals to the FTC, FBI Cyber Crimes Unit(CYBER DIVISION), DOJ for prosecution of:\nIdentity theft under 18 U.S.C.  1028\nMisuse of SSN under 42 U.S.C.  408\nViolations of financial privacy and consumer protection laws\nI reserve my rights to seek civil damages and criminal referrals under 15 U.S.C.  1681n and  1681o.'

Company response to consumer: Closed with non-monetary relief