Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: MD
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

Complaint:
I found the following item ( s ) to be errors. Here as follows are items in error : XXXX XXXX XXXX XXXX Reporting violations late payment (

s ) : 15 USC 1681a ( 2 ) ( i ) Report containing information solely as to transaction or experience between consumer and the person making the report. 15 USC 6802 ( b ) ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. In accordance with the Fair Credit Report Act, this creditor has violated my rights under 15 USC 1681, Section 602, states that I have the right to privacy. 15 USC Section 1681, Section 604 A, Section 2 also states a consumer
reporting agency can not furnish an account with my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose. 

XXXX XXXX XXXX XXXX XXXX Reporting violations late payment ( s ) : 15 USC 1681a ( 2 ) ( i ) Report containing information solely as to transaction or experience between consumer and the person making the report. 15 USC 6802 ( b ) ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. 

In accordance with the Fair Credit Report Act, this creditor XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681, Section 602, states that I have the right to privacy. 15 USC Section 1681, Section 604 A, Section 2 also states a consumer reporting agency can not furnish an account with my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose. 

XXXX XXXX XXXX XXXX Reporting violations late payment ( s ) : 15 USC 1681a ( 2 ) ( i ) Report containing information solely as to transaction or experience between consumer and the person making the report. 15 USC 6802 ( b ) ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party.

In accordance with the Fair Credit Report Act, this creditor has violated my rights under 15 USC 1681, Section 602, states that I have the right to privacy. 15 USC Section 1681, Section 604 A, Section 2 also states a consumer reporting agency can not furnish an account with my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX Reporting violations late payment ( s ) : 15 USC 1681a ( 2 ) ( i ) Report containing information solely as to transaction or experience between consumer and the person making the report. 15 USC 6802 ( b ) ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. 

In accordance with the Fair Credit Report Act, this creditor has violated my rights under 15 USC 1681, Section 602, states that I have the right to privacy. 15 USC Section 1681, Section 604 A, Section 2 also states a consumer reporting agency can not furnish an account with my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Reporting violations late payment ( s ) : 15 USC 1681a ( 2 ) ( i ) Report containing information solely as to transaction or experience between consumer and the person making the report. 15 USC 6802 ( b ) ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party.

In accordance with the Fair Credit Report Act, this creditor has violated my rights under 15 USC 1681, Section 602, states that I have the right to privacy. 15 USC Section 1681, Section 604 A, Section 2 also states a consumer reporting agency can not furnish an account with my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief