Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I've filed several complaints and sent an almost innumerable amounts of disputes and grievances about the credit reporting of Equifax, XXXX, and XXXX. From the date of my original CFPB, FTC, and XXXX complaints, suddenly I am not given access to my XXXX consumer report, nor can I access my XXXX  secondary report, from the XXXXecondary consumer reporting agency owned by XXXX. Via phone or online. There is incorrect account, balances, and personal information that I have disputed multiple times, that are not only being incorrectly and inaccurately reported, my information is being shared and sold which I did not consent to. I did not provide written permissable purpose for such disclosures. I've also done security freezes with the secondary bureaus that Equifax, XXXX, and XXXX own and operate and use to validate consumer debts. When a consumer disputes information, no real investigations are performed. They simply send a verified reply from their subsidiaries in effort to tie the consumer to the alleged debts. Teletrack LLCXXXX is the secondary consumer reporting agency that is owned and operated by Equifax and used to validate when information is disputed with the agency. Teletrack LLC owned by Equifax, gathers details from consumers and shares it with payday loan companies, rent-to-own stores, furniture shops with financing options, auto financing companies, high-risk consumer finance firms, subprime home loan providers, subprime credit card issuers, banks, credit unions, cable/telecom companies, and debt collectors. XXXX is the secondary consumer reporting agency owned and operated by XXXX. XXXX gathers and shares data on how non prime consumers manage their loans. This information is used to create predictive credit insights, analytics, and risk scores for short-term lenders, installment lenders, non prime auto lenders ( including leasing companies ), and other providers offering credit to those with subpar credit histories. XXXX is XXXX 's in house subsidiary they use to validate consumer debts knowing the consumer market at large has no idea this secondary consumer reporting agency exists. 
Data X also owned and operated by Equifax, collects and provides consumer payment history on payday and installment loans, subprime credit cards and other specialty loans. Consumer payment history is expressly prohibited to be included in a consumer report unless given permissable purpose by the consumer pursuant to 15 USC 1681. 
I placed a security freeze with XXXX XXXX owned and operated by XXXX. XXXX XXXX is the subsidiary of XXXX used to validate consumer debt when disputed as well. XXXX XXXX gathers and supplies data regarding payday loans, installment loans, auto loans ( including leasing ), check cashing services, rent-to-own deals, telecommunication account openings, and financial services, focusing on the lower-income and subprime consumer sectors. I've placed a security freeze on all my information with these secondary reporting agencies. I never requested to have my information shared, then placed a freeze on each report once I became aware of them. They still continue to report inaccurate, and incorrect accounts, balances, and personal information that I previously disputed and filed complaints on multiple times. Debts come back verified after being disputed because no on real investigation is being performed. They simply validate the debt via subsidiary company. I've attached multiple evidences of this below.

Company response to consumer: Closed with non-monetary relief