Consumer complaint received 2024-01-04 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: NJ

Complaint narrative:
To whom it may concern : I am writing this letter in accordance to the fair credit reporting act 15 USC 1681 section 602.

15 USC 1681 section 602 states there is a need to ensure that consumer reporting agencies exercised a gray responsibilities with fairness impartiality and respect for the consumers right to privacy.

There is a need to ensure that consumer reporting agencies exercise the grave responsibilities with fairness impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isnt shared which is back by 15 USC 6801. 

XXXX XXXX, Equifax and XXXX are consumer reporting agencies and I am the consumer and I have been willfully violated by the noncompliance of the law. 

15 USC 6801 states it is the policy of the Congress, that each financial institution as an affirmative and continuing obligation to respect the privacy of its customers, and to protect the security and confidentialities of those customers nonpublic personal information. 

XXXX, XXXX XXXX XXXX NOT ME XXXX XXXX XXXX XXXX XXXX XXXXNOT ME XXXX XXXX XXXX XXXX XXXX XXXX ME Inaccuracies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accurate information The entities listed below are furnishings of information to credit agencies. 
2nd income.. fraud/ false information Distribution solutions for XXXX XXXX XXXX XXXX, NJ XXXX. Inaccurate information. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX hard inquiry, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are financial institutions by definition under that title, 15 USC 1681 section 604 section 2 states that in general subject to subsection see any consumer reporting agency may furniture, consumer report under the following circumstances, and no other in accordance with written instructions of the consumer, to whom it relates the financial institution and the consumer reporting agencies, XXXX XXXX  Equifax and XXXX do not have my consent to furnish this information, and they surely do not have my written consent. 
Any and all consent to XXXX XXXX, Equifax, or XXXX whether by verbal, nonverbal, written, implied, or otherwise is revoked. According to the FCRA 15 US C 6802 ( b ) ( c ) states a financial institution, may not disclose nonpublic personal information to a non-affiliated third-party unless the consumer is given an explanation of how the consumer can exercise that non-disclosure option XXXX XXXX XXXX Equifax, or XXXX never informed me of my right to exercise my non-disclosure option. 
also backing that law XXXX5 USC 1681C ( a ) ( 5 ) states I except as authorized under subsection be no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes, with antedates the report by more than seven years these accounts are adverse items. They are reporting again, without my permission, which is against the law.

15 USC 1681 s-2 ( A ) ( XXXX ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows that has reasonable cause to believe that the information is inaccurate. With all the misspellings and inaccuracies is present in the credit reports from those credit reporting agencies, they will fully know that there is incorrect and in accurate information. 

Are 15 USC 1681e says and I quote every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title, and to limit the furnishing of consumer reports to the purposes listed on the section 1681 be of this title XXXX XXXX, Equifax, and XXXX Im not maintaining reasonable procedures. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states a consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

Opt out of inquiries 15 USC 6802-6805 12 CFR 1016.1 Privacy act of 1974 The remedies for these violations will be : immediate deletion of the accounts and 1000 per violation of the FCRA per month recorded. 

These reports have violated. My American dream have kept me from financial freedom. They have caused me hardship and undue stress, not to mention the anguish of rejection for Credit, I wish to remove any old or duplicate addresses from my report. They are all non-mailable addresses remove any old or duplicate phone numbers. They are all noncontactable numbers, remove any variations of my name. That are incorrect they maybe even identity fraud. I have no middle name. At this time I wish to opt out of the following agencies, XXXX XXXX XXXX, XXXX otherwise known as ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, as well as XXXX XXXX XXXX 

PLEASE UPDATE ME AS SOON AS POSSIBLE. IF I DO NOT HEAR FROM YOU WITHIN TWO WEEKS, I WILL FOLLOW UP WITH THE PROPER AUTHORITY.

Company response to consumer: Closed with non-monetary relief