Consumer complaint received 2025-01-05 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  reported negative report on my credit file with XXXX Equifax and XXXX... Which is defamation of character without my permission. Which caused my credit score to drop XXXX XXXX XXXX. That has caused a tremendous strain on my life physically mentally ECT.. 

Doing my studies and research, I have discovered many violations to defame my character and fraud including identity theft defamation of character against my consumer credit report.. The XXXX XXXX XXXX is purposely trying to ruin my chances of getting extension of credit to help with my life situations.. With XXXX XXXX XXXX XXXX XXXX  XXXX I have disputed these accounts before and this account is still in major violations of my consumer rights. The consumer reporting agency XXXX, Equifax and XXXX, is in violation of the Privacy Act of 1974, Fair Credit Reporting Act and According to IRS publication accounts that.. I have previously opted out of all communication sharing of my information previously. The company ignored my opt-out request. I have listed some of the violations to which these charged off accounts are to be immediately removed. The CFPB has the responsibility to the rules and regulations concerning violation of consumer rights as well as violation of federal and state laws. 16 CFR 444.2 - Unfair credit practices 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 17 CFR 248.7 - Form of opt out notice to consumers ; opt out methods. ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 248.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a non affiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 15 U.S. Code 1692- Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. I have to right to compensation per violation per month reporting. I have a right to file complaint with the Attorney General, FTC, and the SEC for Equifax constant violations and fraud as well as identity theft. The law allows me to receive up to {$1000.00} per violation. The law also allows me to seek compensation due to hardship, mental anguish, loss of fair and equal opportunity of credit extension... 

I did not give the XXXX XXXX XXXX  permission nor did I sign anything for them to put anything negative on my credit files that is defamation of character. And I am being discriminated against by the XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief