Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding serious violations of my privacy and consumer rights by Equifax and XXXX, who have both improperly furnished my personal information to third parties without my consent. Below are the violations I am disputing, which I believe are in direct violation of multiple provisions under U.S. law.

1. Privacy and Confidentiality Violations : Under the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX XXXX, Section XXXX ), consumer reporting agencies are required to handle consumer data with fairness and respect for privacy. As a consumer, I have the legal right to ensure that my private information is not shared without my explicit consent. Additionally, XXXX XXXX XXXX mandates that financial institutions ( including those furnishing information to credit reporting agencies ) must protect the privacy and confidentiality of their customers nonpublic personal information. Equifax and XXXX have violated this principle by sharing my personal information without my consent. 
XXXX. Lack of XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a consumer report may only be furnished with the written consent of the consumer. Neither Equifax nor XXXX has my consent to share my information with any third parties, whether that consent is verbal, written, implied, or otherwise. I hereby revoke any and all consent that XXXX have been given, and demand that these agencies stop reporting my information to any third parties. 
XXXX. Failure to Provide Nondisclosure Option : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a financial institution must inform consumers of their right to opt-out of information disclosure. Neither Equifax nor XXXX ever informed me of this option, and I am now exercising my right to opt out of their reporting services as outlined in XXXX XXXX XXXX 
XXXX. Illegal Reporting of Adverse Information : Further, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXtates that no consumer reporting agency may report adverse information that predates the report by more than seven years. An account reported by these agencies is an adverse item that should not be included based on this provision. This is a direct violation of my rights under the FCRA. 
XXXX. XXXX XXXX XXXX : Under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), no entity should furnish information to a credit reporting agency if they know, or have reasonable cause to believe, that the information is inaccurate. Equifax and XXXX have knowingly continued to report inaccurate information about me, failing to adhere to this legal obligation. 
XXXX. Failure to Maintain Proper Procedures : According to XXXX XXXX XXXX, consumer reporting agencies must maintain reasonable procedures to prevent violations of the FCRA. Equifax and XXXX have failed to meet these obligations, continuing to report inaccurate information and disclosing personal data without my consent. 

Given these serious violations, I am requesting that the CFPB investigate these actions by Equifax and XXXX and take appropriate enforcement actions. I seek a resolution that includes the removal of inaccurate information from my credit file, an end to the unlawful sharing of my private data, and confirmation that these agencies will comply with all relevant privacy protections in the future.