Consumer complaint received 2024-05-20 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: MD

Complaint narrative:
I am now seeking assistance regarding the ongoing issue I have faced with Equifax, a credit reporting agency, in relation to a data breach and subsequent negative reporting on my credit file. Despite not being part of the class action lawsuit against Equifax, I have been directly affected by their data breach, which has resulted in significant harm to my credit score, the leaking of my personal information, and various instances of humiliation and denial of services due to inaccurate reportings. The breach has caused me substantial distress and has impacted my ability to obtain credit and financial services. Despite my efforts to rectify the situation by instructing Equifax to cease sharing my information with third parties and attempting to opt out of such practices, I continue to receive credit card " pre-approvals '' and other preauthorizations without my consent. This ongoing dissemination of my personal data without my consent is unacceptable and a violation of my rights. In light of the hardships I have endured as a result of Equifax 's negligence, I am requesting a settlement of {$10000.00} to compensate for the damages incurred. This amount is intended to cover the financial losses, emotional distress, and inconvenience I have experienced throughout this ordeal. I have been trying to apply for a car so that I can get my family and I around in but every time I go to apply somewhere they deny me because of EQUIFAX negatively and inaccurately reporting 7 late payments on my credit report on a loan that has already been fully discharged and paid off. How can I ever be late on a loan that was already satisfied and paid fully UPFRONT?? Furthermore, I, AGAIN, request that Equifax cease all negative reporting on my credit file and refrain from sharing my information with any third parties without my explicit consent. Despite my efforts to opt out and protect my privacy, Equifax has failed to respect my wishes, and I urge the Consumer Financial Protection Bureau to intervene on my behalf to ensure compliance with relevant regulations and consumer protection laws. I kindly request that the CFPB investigate this matter promptly and take appropriate action to address my concerns. Thank you for your attention to this matter. I look forward to a swift resolution and am available to provide any additional information or clarification as needed. I have attached my documentation that was sent to Equifax. They are still negatively reporting and furnishing my report without my consent. Whenever they respond they DO NOT address my issues but instead beat around the bush and act like they dont know what i am talking about even after providing them with EVERYTHING THEY REQUESTED. THE MAIN PROBLEM HERE IS THERE ARE 7 LATE PAYMENTS BEING REPORTED BY ALLY FINANCIAL. THIS ACCOUNT AND THE LATE PAYMENTS ASSOCIATED WITH IT ARE NOT FURNISHED ON MY OTHER CREDIT REPORTS WHICH MAKES THIS REPORTING INACCURATE! YET EQUIFAX CONTINUES TO FURNISH IT ON MY REPORT. THIS IS HIGHLY DAMAGING TO MY CREDIT SCORE. I strongly believe Equifax is using an automated system to generate responses to my dispute based on the verbiage I have used to automatically verify items. Sending multiple letters has clearly been a waste of my time because i am seeing no results and still getting denials left and right. Equifax has caused me emotional distress, humiliation, and XXXX for the past 5 years.

Company response to consumer: Closed with non-monetary relief