Consumer complaint received 2025-09-05 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:
NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX CITY ZIP STATE : XXXX fl XXXX DATE : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLAST4SSN : XXXX XXXX XXXX XXXX XXXX  PA XXXX TO : TRANSUNION INTERMEDIATE HOLDING, I recently received a copy of my credit report along with the results of your investigation, which indicated that certain information could not be properly verified. After reviewing the report, I noticed accounts that appear to have been added without my authorization. 
To clarify, I have not granted permission to any individual or third party to access, share, or furnish my nonpublic personal information. These accounts were reported without my knowledge or consent, and I believe their inclusion is unjustified. 
I respectfully request that you refrain from sending automated responses or communications on my behalf. This letter has been written and submitted by me personally, and I expect it to be handled accordingly.

Your organization is evidently breaching the law. According to 15 USC 1681b - permissible purpose of consumer reports, THE LAW UNAMBIGUOUSLY DECLARES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this in my credit report?

In addition, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the Following accounts from my consumer report, this agency is in violation of 15 USC 1681. 
ACCOUNTS 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 Failure to adequately address the deletion of the account, as well as providing a complimentary copy of my report following the necessary modifications, will lead to the initiation of legal proceedings against your organization. In this regard, I will also pursue {$1000.00} for each violation, specifically for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. air Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616.

Civil liability or willful noncompliance [ 15 U.S.C. 1681n Additionally, I have already engaged and submitted this correspondence to the Complaint portal for the Consumer Financial Protection Bureau, the State Attorney Generals Office, the XXXX  XXXX XXXX and the Federal Trade Commission. 

BEST REGARDS, XXXX XXXX XXXX

Company response to consumer: Closed with explanation