Consumer complaint received 2024-11-20 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: NJ

Complaint narrative:
**Summary of Complaint** This formal complaint outlines multiple violations by Equifax Information Services LLC XXXX which have caused significant harm to both my personal finances and business operations. These issues arise from systemic failures within Equifax, including unauthorized changes to my credit file, unjust denial of access to my credit report, and the wrongful exclusion from settlement following their XXXX data breach. These actions have created financial hardship and impacted the operations of my business, XXXX XXXX XXXX XXXX 

**Concrete Documentation** To substantiate these claims, I have included the following evidence : XXXX. Copies of correspondence with Equifax regarding denied credit report access.

2. Screenshots of my credit report highlighting unauthorized changes.

3. Documentation related to my exclusion from the settlement following Equifax 's XXXX data breach. 

**Detailed Account of Violations** XXXX. **Denial of Credit Report Access Since XX/XX/XXXX, XXXX - **Violation** : Denied access to my credit report in violation of 15 U.S.C. 1681g.

- **Adverse Impact** : This obstruction has caused prolonged financial harm and hindered the operation of my business, XXXX XXXX XXXX XXXX XXXX XXXX 
- XXXX XXXX : - In commerce, truth is sovereign. Withholding my report conceals vital information. 
- A matter must be expressed to be resolved. My repeated requests have been ignored. 

XXXX. **Unauthorized Modifications to XXXX XXXX on XX/XX/XXXX, XXXX - **Violation** : Unauthorized changes to my credit report in breach of 15 U.S.C. 1681b.

- **Adverse Impact** : These inaccuracies have negatively impacted my creditworthiness and business transactions.

- **Maxim Enforcement** : - An unrebutted affidavit becomes the judgment in commerce. Equifax has failed to respond to my inquiries. 
- He who leaves the battlefield first loses by default. Their inaction confirms liability. 

XXXX. **Exclusion from Equifax XXXX XXXX XXXX XXXX XXXX ) ** - **Violation** : Exclusion from compensation following Equifaxs XXXX data breach, violating the Gramm-Leach-Bliley Act ( GLBA ) and the Privacy Act of XXXX. 
- **Adverse Impact** : Denied fair compensation for the misuse of my data and exposure during the breach. 
- **Maxim Enforcement** : - A workman is worthy of his hire. My exclusion denies me the compensation I am entitled to. 
- Sacrifice is the measure of credibility. Equifaxs failure to address this has harmed their reputation.

4. **Business Impact on XXXX  XXXX XXXX XXXX XXXX XXXX*Violation** : Inaccurate reporting and systemic failures by Equifax have caused financial and reputational harm to my business.

- **Adverse Impact** : Impeded access to credit and harmed the ability to effectively manage my business. 
- **Maxim Enforcement** : - Commerce is based on agreements. Equifax has breached its duty to provide accurate credit information.

- Truth is expressed in the form of an affidavit. These errors have caused real harm to my business.

**Legal Basis for Complaint** This complaint is supported by the following statutes and principles : - **Fair Credit Reporting Act ( FCRA ) ** : Violations of permissible purpose ( 15 U.S.C. 1681b ) and disclosure obligations ( 15 U.S.C. 1681g ).

- **Gramm-Leach-Bliley Act ( GLBA ) ** : Failure to protect nonpublic personal information. 
- **Privacy Act of 1974** : Insufficient safeguards for consumer data.

- **Securities Exchange Act of 1934** : Breaches under safeguarding requirements ( 17 CFR 240.15c3-3 ). 
- **Commercial Law Principles** : Violations of established maxims of commerce.

Company response to consumer: Closed with explanation