Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have sent this violations letter several times to Equifax and Transunion and they still continue to violate my consumer rights giving to me by the FCRA ....................................... 
RE : MULTIPLE FAIR CREDIT REPORTING ACT VIOLATIONS XXXX To whom it XXXX concern, please be advised that this is my THIRD and FINAL WRITTEN REQUEST for you to CEASE AND DESIST the reporting of all the accounts listed below to them violating XXXX XXXX as well as MULTIPLE FAIR CREDIT REPORTING ACT rights violations. I sent the Multiple FCRA I letter to you on XX/XX/year> and Multiple FCRA XXXX on XX/XX/year>. You have violated my XXXX given consumer rights given to me in the form of the FAIR CREDIT REPORTING ACT and all its subsections. 
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The following accounts are violating multiple FCRA laws that will be explained after I list the accounts that are in violation. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA violation/Not XXXX XXXX compliant XXXX XXXX XXXX Permissible Purpose XXXX consumer reports- ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I hereby put you on notice. I DID NOT GIVE YOU WRITTEN INSTRUCTIONS to report THIS ACCOUNT TO MY CONSUMER REPORT XXXX XXXX XXXX ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

How are you following reasonable procedures to assure maximum possible accuracy with this account reporting to my consumer report? Without Permissible Purpose, anyone paying for your reporting services could fax, mail or email fraudulent information to my consumer report. 


XXXX XXXX XXXX Congressional Findings and Statement of Purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Noting about the reporting of these accounts are FAIR and ACCURATE! I do not have faith in the vital role you have in assembling my consumer report due to your willful XXXX  and XXXX. You have not exercised your grave responsibility XXXX  fairness, impartiality and respecting my PRIVACY! 
XXXX XXXX XXXX XXXX IDENTITY THEFT a ) OFFENSES. 
( XXXX ) IN XXXX. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of XXXX  years. 
( XXXX ) TERRORISM OFFENSE. 
Whoever, during and in relation to any felony violation enumerated in section XXXX ( g ) ( XXXX ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of XXXX  years. 

YOU ARE IN CLEAR VIOLATION OF THIS LAW FOR POSSESSING, USING AND KNOWINGLY ALLOWING THE TRANSFER OF THESE ACCOUNTS TO MY CONSUMER REPORT WITHOUT LAWFUL AUTHORITY AKA PERMISSABLE PURPOSE! 


I have attached all the relevant documents pursuant the above Section of the law. I Demand that all these accounts be deleted from within XXXX business days of receipt of this letter due to Identity Theft. 
Its simple to understand. Permissible Purpose = Written Instructions. Permissible Purpose grants consent. Without Permissible Purpose, its IDENTITY THEFT. 


In conclusion, The Consumer Financial Protection Bureau and the FTC will be CCd due to your companys negligence. Delete all accounts listed above from my consumer report, your agency is in clear violation of XXXX XXXX XXXX and all of its subsections. Failure to respond with satisfactorily with deletion of the above referenced accounts, and send a free copy of my consumer report when these accounts have been deleted will result in legal action being taken against your agency, for which I will seek {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of XXXX XXXX XXXX. Fair Credit Reporting Act XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ] XXXX. Possible Damages per Fair Credit Reporting Act XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ] XXXX. Aggravated Identity Theft per XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation