Consumer complaint received 2024-01-18 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: CO

Complaint narrative:
XXXXRE : IDENTITY THEFT COMPLAINT - OPT-OUT VIOLATION AND UNAUTHORIZED FURNISHINGXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX CONSUMER REPORT DISPUTES Account Number XXXX XXXX XXXX XXXX Dear XXXX, Equifax, and XXXX, I am writing to file a formal complaint against your agencies for violations related to identity theft and non-compliance with the Fair Credit Reporting Act ( FCRA ) in connection with accounts furnished by XXXX XXXX and XXXX. 

XXXXIncident Details : XXXX 1. XXXXOpt-Out Notice : XXXX On XX/XX/2023, I submitted an Opt-Out letters to XXXX XXXX and XXXX, clearly rescinding all verbal and non-verbal written consent to furnish my consumer information on my credit report. These notices were in accordance with the provisions of 15 U.S. Code 6802. 

2. XXXXIdentity Theft : XXXX XXXX XXXX and XXXX XXXX despite receiving my legal notice, willfully ignored my instructions and proceeded to sell the account to XXXX XXXX and XXXX for collections. This action constitutes identity theft under 15 U.S. Code 1681, as they continued to furnish information without permissible purpose. 

3. XXXXFailure to Block Information : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Equifax , and XXXX violated 15 U.S. Code 1681c2 by failing to block the reporting of information that resulted from the alleged identity theft, within the stipulated time frame. 

**Legal Violations : ** 1. XXXX15 U.S. Code 6802 - Obligations with respect to disclosures of personal information : XXXX XXXX XXXX XXXX and XXXX failed to comply with my Opt-Out notice, resulting in unauthorized furnishing of my information. 

2. XXXX15 U.S. Code 1681 - Identity Theft : XXXX XXXX XXXX XXXX and XXXX engaged in identity theft by willfully ignoring my legal notice and selling the account for collections. 

3. XXXX15 U.S. Code 1681c2 - Block of information resulting from identity theft : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Equifax , and XXXX failed to block information identified as resulting from alleged identity theft within the mandated time frame. 

XXXXRequested Actions : XXXX 1. XXXXImmediate Removal : XXXX  I request the immediate removal of the accounts related to the identity theft from my credit reports by XXXX XXXX Equifax , and XXXX. 

2. XXXXInvestigation : XXXX I urge your agencies to conduct a thorough investigation into the actions of XXXX XXXX and XXXX XXXX and your respective roles to determine the extent of identity theft and FCRA violations. 

3. XXXXPenalties : XXXX If the investigation confirms identity theft and FCRA violations, I request the imposition of appropriate penalties against XXXX XXXX and XXXX XXXX XXXX XXXX Equifax , and XXXX to ensure accountability and deter similar actions in the future. 

4. XXXXCompensatory Damages : XXXX In lieu of immediate removal, I request compensatory damages of {$1000.00} for every day that the account has been on my credit report, as allowed by law. 

I have attached supporting documentation, including the Opt-Out notice, evidence of XXXX XXXX and XXXX XXXX  non-compliance, and communications related to the sale of the account. 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds consumer rights and holds the responsible entities accountable. 

Sincerely, XXXX XXXX Enclosures : FTC IDENTITY THEFT REPORT PROOF OF ID NOTICES OF XX/XX/XXXX OPT-OUT LETTERS NOTICE TO FURNISHERS OF INFORMATION UNDER THE FCRA

Company response to consumer: Closed with explanation