Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6196293

Complaint Overview

Complaint ID: 6196293

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: District of Columbia

ZIP Code: 20019

Date Received: 2022-11-10T12:00:00-05:00

Date Sent to Company: 2022-11-10T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I REPEAT THAT THIS IS NOT A DUPLICATE COMPLAINT. On XX/XX/2022, I the consumer notified Equifax through the CFPB portal of an account XXXX XXXX XXXX ) that was furnished fraudulently on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. The account read ( XXXX XXXX ). Equifax failed to Investigate the first time and now during their re-investigation witch is a violation of the FCRA, pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Equifax failed to Investigate both times according to federal law ( FCRA ), Equifax haven't conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Equifax and XXXX XXXX are committing Fraud and Identity theft. I the consumer never got an update nor anything in writing from Equifax stating HOW this INVESTIGATION WAS HANDLED ACCORDING TO FEDERAL LAW. The company XXXX XXXX XXXX ) that Equifax furnished to my consumer report fraudulently. I demand the account be deleted Immediately or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance. EQUIFAX WILL BE LIEABLE TO ME {$1000.00} EACH ACCURANCE. Respectfully,

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