Consumer complaint received 2024-07-04 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: FL

Complaint narrative:
This complaint is in regards of the initial CFPB complaint # XXXX. That complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving that complaint. Which you have failed to do so. Equifax, I do not have a contract with you where you should be requesting my Social Security XXXX. If you dont know who you are reporting information about then why are you reporting any at all. Now, for the sake that you have not abide by the law, knowing i sent in the identity theft report with the initial complaint listed above. Trying to get around acting as if you have not verify who i am to begin with. Knowing I sent a attachment of my credit report from your company that i scanned after you mailing it to my address that i already have confirmed with your company. You are violating many other laws that protect me, including but not limited to, the Dodd Frank Act ( UDAAP- Unfair, Deceptive, or Abusive acts or practices ), Fair Credit Reporting Act, Federal Trade Commission Act, and others in the Consumer Protection act. Now, you wanted me to send a utility bill or something for proof of address ( how would i receive you letter wanting me to mail it back ), and a copy of a XXXX ( IRS XXXX XXXX, or my social. I do not have a contract with you nor should have to provide it if i dont give consent for you to have it. So, i will attach documents to in fact prove who i am. Along with your letter you wanted me to send in the mail with the requested proof. Which sending it was not happening ( unless you are going to pay for a private security company to pick up a copy of it along with XXXX XXXX dollar insurance in case the copy gets lost ). But know, this is me acting in good faith trying to handle this. This is consent is to verify one time and dispose of them immediately after. In my previous CFPB complaint XXXX ( not the first ) I respectfully let you know that it is/has caused more harm in which has already been dragged longer than the law allows in which the time frame that is clearly stated in my first initial complaint. In which, i will be requesting more compensation for the harm/damage caused if this is not handled within XXXX. In which it was not when you claimed that the identity theft report was not in the complaint and we both know it was. Now, i will be sending you evidence of XXXX of the accounts that I have reported in the complaint to you that have already sent me notice telling me that they closed the accounts because XXXX did a identity fraud investigation and closed it cause they found the account to be fraudulent. The other something similar in which they also closed and cease the account. Meanwhile, you still have not done anything to correct the wrongdoing in which it is still causing harm to me. I am attaching everything i said i would and am requesting a fair response to the initial complaint with XXXX hrs, as well as a cure for the harm daily and past harm that you have allowed to be caused. After your response, if it is not handle to my satisfactory knowing the law and my rights in which i will exercise them for any and all violations. I will send a Method of Verification dispute letter invoking FCRA 611 ( 15 U.S.C. 16811 ). Which i have been harmed enough and if I have to waste more time and energy that i can not get back. I will be requesting more compensation for any and all harm you knowingly have had full acknowledgment of ( attached documents that shows companies closing accounts because they know and admit it ) in which you still continued to not do anything about it. Note : My patience is telling me I have gave enough time and to just take legal action and file a claim. Please dont take my kindness for weakness.

Company response to consumer: Closed with non-monetary relief