Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information that was sold and bought illegally. I am a victim of the Equifax data breach. I also attached proof that Equifax has admitted that I am in fact a victim of this data breach, indicating that my personal information was impacted by this incident and Equifax has done nothing but closed the complaint XXXX Equifax did NOT address the issue about me being a victim of the data breach or address what I instructed them to do in regards to my consumer report. I was given a ridiculous explanation that has absolutely nothing to do with the problem. I can't believe that the credit reporting agencies are making millions of dollars by taking advantage of me and other consumers too. My information has been compromised and being used without my knowledge and Equifax is allowed to get away with this? How is this even possible? How can I trust that this will not happen again? My information is FOREVER compromised. This alarming and very scary situation that I am in is unfair and my family is even at risk. Strangers know where I live. They can impersonate me to obtain accounts, credit, etc with MY INFORMATION and I am being treated like I am NOTHING, an UNIMPORTANT CONSUMER with RIGHTS! My entire credit report from ALL reporting agencies is inaccurate. How can I trust this company or any other credit reporting agency with each report furnishing different information throughout each report? As a protected consumer with rights, which agency is correct? I don't know! The agencies don't seem to know either. Equifax also mentioned the adverse XXXX XXXX  account that I instructed them to delete and remove from my credit report in accordance with the Fair Credit Reporting Act, Equifax and XXXX XXXX continues to violate my rights under 15 USC 1681 section 602 that states I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency, Equifax, can not furnish an account without my written instructions under Under 15 USC 1666b a creditor, XXXX XXXX, may not treat a payment on a credit card account under an open end consumer plan as late for any purpose. Equifax has done nothing and has not removed or deleted this account as instructed and indicated by law. 

This continuous violation of my rights from Equifax under the FCRA is unacceptable and illegal. As stated before, I request XXXX. Immediate Removal of Furnished Information : I request that Equifax take immediate action to remove/delete any and all information pertaining to XXXX XXXX from my consumer report. This is in line with my explicit opt-out directive given to XXXX XXXX  ( Equifax has knowledge ), which covers both written and unwritten, verbal and non-verbal authorizations, as per 15 U.S. Code 6802. 2. Compensatory Damages : In the event that XXXX XXXX willfully continues non-compliance with 15 U.S. Code 6802 by failing to honor my opt-out request, As a consumer, I have legal rights to seek compensatory damages. I request that XXXX XXXX and Equifax pays a minimum of { {$1000.00} } for every offense of willful non-compliance. XXXX. I am requesting Equifax to prepare detailed report requesting the information regarding the steps your agency took regarding my information that was sold and bought illegally as a result of the Equifax XXXX XXXX and disclose to me : ( XXXX ) the categories and/or specific pieces of personal information they have stolen about me, ( XXXX ) the categories of sources of my personal information that was stolen, ( XXXX ) the purposes for stealing my information, ( XXXX ) please identify what person or people, businesses, organization, or location was my information sold, disclosed, or accessed illegally. Please include what method of verification and a description of the investigation in a report that can be mailed to the address listed above. 

As a protected consumer, I look forward to Equifax finally handling this matter professionally and with the utmost diligence according to the laws set in place for consumer protections, and without discrimination or retaliation because I am filing a complaint to protect myself and family due to the data breach of my personal information. My safety, my life, my reputation, my livelihood, and all credit information on my report is personal and are now exposed making my entire family 's lives UNSAFE, DANGEROUS, and EXPOSED to complete strangers!

Company response to consumer: Closed with explanation