Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Greetings, Per the FCRA, as a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, or non-verbal per 15 usc 6802.

My consent was never given according to : Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

All inquiries should be removed from my report as well due to the aforementioned 15 U.S.C. 1681.

All student loan history reported is in violation of the Family and Educational Privacy Act of 1974 and MUST BE REMOVED immediately.

Various accounts have been charged off by creditors. Charged off accounts are considered certificates of indebtedness in which I am awaiting 1099-Cs qualifying as in
come. As we know income cant be reported on a consumer credit report. In conjunction, according to 15 U.S. Code 1681c : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

Aside from these glaring infringements, you will also notice virtually each account noted between Experian, Transunion, and Equifax either arent noted among all three, have varying origination dates, and/or inaccurate balance information. Each of these are in opposition with US 15 1681g ( a ) ; Congress requires disclosure that is both clearly and accurately made. The associated report proves consumer information is neither and should be removed immediately.

In addition I am seeking damages for each month transaction history according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or XXXX = XXXX history notations @ a sum of {$520000.00} Equifax = XXXX notations @ a sum of {$720000.00} Transunion = XXXX notations @ a sum of {$400000.00} All addresses should be removed as non-mailable with the exception of my XXXX XXXX XXXX 


All aforementioned violations are in accordance with the Privacy Act of 1974. Your speedy response, remedy, and restitution is greatly appreciated. 


Sincerely,

Company response to consumer: Closed with non-monetary relief