Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #4400131

Complaint Overview

Complaint ID: 4400131

Company: Equifax, INC.

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Improper use of your report

Sub-Issue: Reporting company used your report improperly

State: Texas

ZIP Code: 75034

Date Received: 2021-05-23T12:00:00-05:00

Date Sent to Company: 2021-05-23T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

On the date XX/XX/2021, I requested that Equifax remove several accounts. On the date of XX/XX/2021, I received a response from Equifax which is Nine days past their time to respond. I've made it clear that Equifax was committing multiple violations according to the Fair Credit Reporting Act. Pursuant to 15 USC 602 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Notice How Congress did not define " Privacy '' under the Fair Credit Reporting Act. Therefore, my rights to privacy have been compromised as I am a private consumer, I never gave consent for Equifax to furnish anything. I have you know that No Consent is considered identity theft. This is Equifax first violation, let 's move on ... According to 15 USC 603 ( 2 ) the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card pursuant to 15 USC 1681 is the same pursuant to 15 usc 1602 ( I ). The term Credit Card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Congress said ANY card. The Credit card I am referring to is my social security card, which is the credit card I used to originate the consumer credit transaction. This is Equifax Second Violation. Furthermore, Pursuant to 15 USC 604 ( a ) 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. Notice how it says written Interactions of the " consumer '' I never allowed or given my consent to Equifax to furnish anything about me. I make it known, according to 15 USC 616 Civil liability for willful noncompliance ( a ) Any person ( The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ) who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;

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