Consumer complaint received 2024-01-20 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: GA

Complaint narrative:
Per the FCRA, as a federally protected consumer. I am now opting out of any all authorization, per 15 USC 6802-6805. Any and all verbal, nonverbal, written and unwritten authorization I, XXXX XXXX may have given to XXXX XXXX XXXX / XXXX. and Equifax on any of my consumer reports to provide and exchange any information to each other. Equifax is breaking the laws that are set in place to protect me XXXX XXXX and my consumer credit report, these laws are here to make sure my credit file and credit report has the proper reflection of each account. The laws stated in this letter is the way my account should be reporting and/ or the way this account should be reflected onto my credit report. I am requesting that this account listed here is investigated and deleted due to each law stated here. This account is NOT MY ACCOUNT that is being reported. I am allowed per this law to tell the credit agencies how I want my accounts to be reflected and if they should be reported. I am opting out of any and all reporting of THIS account being reported. This account is to be DELETED IMMEDIATELY. Account Name Account Number XXXX - DELETED INDEFINITELY AND IMMEDIATELY. Per 15 USC 6802-6805 and 16 CFR 313. DELETE IMMEDIATELY AND INDEFINITELY. 

****I am rescinding my permission I gave to the unknowingly and/or knowingly to report XXXX XXXX XXXX XXXX XXXX to my credit file without my knowledge. **** I disputed and submitted a FTC Fraud Report on this account with Equifax XX/XX/XXXX. They said that the account is verified. I mailed a " Validation of Debit '' letter to Equifax on XXXX. They received the letter on XXXX and then immediately closed it without sending me the request on XXXX. 

>>>>>>>>>>>>>XXXX XXXX XXXX is a debt collector!!!!! I have never had a contract nor signed a PURCHASE AGREEMENT with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. EVER!!!!!!!!! They must provide me a Purchase Agreement with my signature that XXXX XXXX XXXX XXXX XXXX have entered into contract with me.<<<<<<<<<<<<<< These inconsistencies and false and misleading reporting of my account does a great disservice to me as a consumer, Equifax is at fault for the discrepancies that is being reported with this account on my credit profile. 

**DELETE IMMEDIATELY DUE TO 15 U.S. Code 1692e - False or misleading representations- 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. Per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. 15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 15 U.S. Code 1681a - Definitions ; rules of construction- ( d ) Consumer Report. ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave XXXX or EQUIFAX the permission Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY. 

**The FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information. I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safeguarded it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! XXXX XXXX XXXX or Equifax to report my personal information or account information, which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 


**In violation of my 16 CFR 313.7 Opt-Out notice EQUIFAX and XXXX XXXX XXXX XXXX XXXX violated my rights as well under 15 USC 6802-6805 Equifax and XXXX XXXX XXXX are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. This is a list of laws that Equifax and XXXX XXXX XXXX are abusing and violating. I DEMAND THAT YOU HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS DELETED INDEFINITELY AND IMMEDIATELY. This account is to be DELETED IMMEDIATELY AND INDEFINITELY. I DEMAND THAT YOU HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS DELETED INDEFINITELY AND IMMEDIATELY. This account is to be DELETED IMMEDIATLEY AND INDEFINITELY. { {$1000.00} } dollars for every month my account was charged off for false and misleading reporting. 

>>>>My previous CPFB Compliant on this issue is # XXXX. I had attached my FTC report on to that.

Company response to consumer: Closed with explanation